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Products

MetroDI provides a comprehensive set of disability products to match your client with top-rated carriers across multiple underwriting classes.

Access all types of disability income products with MetroDI

Our Products

  1. Guaranteed and Simplified Issue Plans
  2. Specialty Coverage
  3. Impaired Risk
  4. Key Person Disability Insurance
  5. Retirement Income Replacement
  6. Disability Buy-Out
  7. Business Loan Protection
  8. Business Overhead Expense
  9. Individual Disability Income

Guaranteed and Simplified Issue Plans

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Specialty Coverage

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Impaired Risk

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Key Person Disability Insurance

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Retirement Income Replacement

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Disability Buy-Out

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Business Loan Protection

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Business Overhead Expense

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

Individual Disability Income

Replaces income in the event a person is sick or hurt and unable to work.

Definitions include true own occupation, transitional occupation & modified own occupation.

Benefit periods:

to age 70, 67, 65, 10 years, 5 years, 24 months

Elimination periods:

30, 60, 90, 180, 365, 730

Optional riders:

residual, catastrophic, cost of living increases, social insurance supplements, critical illness, retirement protection, enhanced future increase options
Special issue limits for young professional, residents, and students, including attorneys, veterinarians, physicians, podiatrists, dentists, architects & engineers. Increased participation limits for all occupations including medical professionals and business owners. Request a Quote

We'd love to help you navigate disability insurance.

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