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Protector Platinum | Term Insurance Brokers | Haymarket, VA

Platinum Protector Disability Income Insurance from Standard

Standard Insurance, one of the leading disability insurance companies, recently introduced the Platinum Protector Disability Insurance policy.  Platinum Protector has many of the same “bells and whistles” as Guardian’s industry-leading ProVider Plus disability policy, which until recently was completely unrivaled.  


The Platinum Protector policy from Standard includes the following benefits:

  • True “own occupation” definition of disability
  • Specialty “own occupation” definition of disability for physicians and attorneys specializing in a particular field
  • Compassionate Care benefit – pays benefits while taking care of a sick or disabled loved one
  • Guaranteed renewable for the full benefit period, up to age 67 – contract terms cannot be changed
  • Non-cancellable by optional rider to guarantee premiums for the full benefit period
  • Benefit periods to age 67, or for 2, 5, or 10 years
  • Elimination period choices of 60, 90, 180, and 365 days
  • Residual disability pays a benefit for partial disability with a loss of 20% income or 20% time or 20% duties for the full benefit period.  100% benefit paid during the first six months.
  • Waiver of premiums while on claim for either total or partial disability
  • Waiver of elimination period for recurrent and presumptive disabilities
  • Future increase option available to guarantee up to an additional $10,000/month in benefits regardless of health
  • Automatic 4% compound increases for the first five years
  • Unlimited coverage for mental/nervous disorders
  • Cost of living adjustment – compound interest tied to the CPI with a 3% or 6% maximum
  • No offset for social insurance programs like SSDI and Worker’s compensation
  • No offset for benefits received under other insurance policies
  • Benefits are tax-free when premiums are paid with after-tax money


To get a personalized quote for the Platinum Protector individual disability insurance policy from Standard Insurance, please give us a call at 1-800-571-2980, or send us an e-mail at This e-mail address is being protected from spambots. You need JavaScript enabled to view it or complete the short form below: