The Top Hat Program

The finishing touch for an appropriately attired Disability Financial Estate

AUTOMATIC ISSUE
Persons issued a standard, fully underwritten non-cancellable disability policy within the past 90 days are eligible to enroll

HIGH ISSUE LIMITS
Up to $10,000 additional coverage without underwriting

COMPATIBLE WORDINGS
"Own Occ" Coverage Optional Residual Benefits Optional COLA Rider

• Participation Limits ...... up to 65% of earned income
• Issue Limits .............. up to $10,000 per month (higher amounts available with underwriting)
• Waiting Period ............ 90 days or 180 days
• Benefit Period ............ 24 months or 60 months, each disability
• Policy Term ............... 3 years or 5 years

If within the past 90 days you have been issued a standard non-cancellable disability insurance policy, simply submit to our office:

1. A copy of the application used for the non-cancellable carrier.
2. A copy of the declaration page of the recently issued non-cancellable policy or the approval memo from the underwriters of the non-cancellable carrier.

Subjectivities:

1. The non-cancellable policy must have been fully underwritten (not an increase option or guaranteed issue plan).
2. The non-cancellable policy must not have been rated.
3. If the non-cancellable policy has any waivers of conditions we must agree to use or not use these waivers prior to issue of the Top Hat.

Offering "The 65% Solution" with no additional underwriting

Issue and Participation Chart (This is a guide only. Different insurers Issue and Participation charts may vary slightly)
Annual Income	Traditional Non-Cancellable Issue Limits	% of Income	Top Hat Program Issue Limits in Addition to the Non-Cancellable Issue Limits	% of Income
$100,000	$4,800	58%	$600	65%
$150,000	$6,450	52%	$1,675	65%
$200,000	$7,700	46%	$3,133	65%
$250,000	$9,500	46%	$4,041	65%
$300,000	$10,000	40%	$6,250	65%
$350,000	$11,750	40%	$7,208	65%
$400,000	$13,600	40%	$8,066	65%
$450,000 and up	$14,250	38%	$10,000	65%

For Higher Benefit Amounts Contact Us

The Top Hat Program can be a simple daily routine.
With every standard non-cancellable disability policy :

1. We determine if the insured has achieved "The 65% Solution" with the non-cancellable carrier.



2. If the non-cancellable carrier fell short of participating up to 65% of the insured's income, we have you fax or email a copy of the newly issued policy to us. Be sure a copy of the non-cancellable carrier's application is included.



3. Within 1-2 working days, we prepare an offer for the additional automatic issue coverage through The Top Hat Program. An insurance offer, a Top Hat application and an authorization will be emailed to you.



4. We then deliver the non-cancellable policy and present you with the Top Hat offer. By collecting the premium and obtaining a signature on the offer, authorization and Top Hat application, coverage will be bound and a policy issued.