DInamic FundamentalSM is a Guaranteed Renewable Disability Income (DI) insurance product that provides a single lump sum payment in the event of total disability resulting from injury or sickness. This product provides a simple, affordable and attainable way for you to protect your income.
Simple to Understand – The product is designed to be easy to understand with simple features and no additional benefit riders. For a monthly premium, you’re guaranteed to receive a lump sum payment in the event of a total disability if you’re unable to perform the material and substantial duties of any occupation for which you are reasonable suited based on your education, training, and experience. The disability must be expected to last at least 365 days.* It’s that simple.
Affordable Protection – If you’ve thought that DI insurance protection was out of reach, we’ve got good news for you. This innovative product is designed to help make income protection affordable with low premium payments and a single lump sum payout.
Attainable Coverage – Short and simple application and simplified underwriting process make this product easy to attain within the specified guidelines. If you are working 30+ hours a week outside of medical or high-risk occupations, you may qualify for this product.
Your insurance and financial representative can provide more information and can assist you in obtaining a DInamic FundamentalSM policy to help meet your income protection needs. For more information see our product brochure.
* Benefit is paid after a 30 day survival period from the date of disability.
In approved states, DInamic FundamentalSM (Form 4504LS) is issued by Ameritas Life Insurance Corp. Policy may vary and may not be available in all states.