The Standard is pleased to announce:

Increased Benefit Amounts and Second Chance UnderwritingSM

(and a video too)

Increased maximum benefit amounts

Effective immediately, maximum benefit amounts in relation to earnings at all income levels have increased for The Protector+SM and The Protector SM*. The chart below gives an example of how this change will affect income levels at the $100,000 through $350,000 range.

Annual Earned Income Monthly Earned Income

Individual Disability Income Coverage ONLY

Individual Insurance Paid by Employee

Individual Insurance Paid
by Employer
Total
Indemnity BEFORE		 Total
Indemnity
NOW		 Total
Indemnity BEFORE		 Total
Indemnity
NOW
100,000
120,000
140,000
160,000
180,000
200,000
225,000
250,000
275,000
300,000
325,000
350,000		 8,333
10,000
11,667
13,333
15,000
16,667
18,750
20,833
22,917
25,000
27,083
29,167		 4,830
5,480
6,090
6,730
7,360
7,950
8,540
9,230
9,900
10,540
11,145
11,700
 5,000
5,750
6,440
7,080
7,710
8,330
9,135
10,000
10,800
11,380
12,055
12,720
 6,000
6,890
7,720
8,550
9,330
10,000
10,880
11,720
12,535
13,310
14,055
14,750
 6,210
7,200
8,120
8,990
9,820
10,620
11,635
12,770
13,835
14,580
15,000
15,000

For more information
For details on these new maximum benefit amounts, see product guides 9251P+REFand 9251REF, pages 10-11. If you would like, you can also print a copy of the new benefit tables only: forCalifornia and for all other states.

Pending business
Pending IDI applications that are in underwriting or have been recently issued, but not yet placed, may be eligible for the higher benefit amounts. Please contact your underwriter or underwriting assistant. Current policyholders who own active policies that may qualify for a higher benefit as a result of this announcement will need to submit a new, fully underwritten application requesting the additional benefit amounts.

Illustrating these new change
Illustration software update 191allows you to illustrate the increased benefit limits.You can download the update fromwww.standard.com/di. (See the home page menu bar underSoftware Updates.)

Please note:In order for the update to function correctly, please check first to see if youhave illustration software version 2.22.0505 or 2.22.0509 installed on your system. If you have another version, choosing Full Software Download will automatically include update 191.

Questions If you have questions or need assistance, please contact getinfo@standard.com.

* The Protector is available in California only.

Introducing Second Chance UnderwritingSM

At The Standard we believe your hard-to-place customers deserve a second chance. We are pleased to announce Second Chance UnderwritingSM for The Protector+ and The Protector*.

Some of the features of Second Chance UnderwritingSM include:

  • Two and five-year benefit periods
  • 90, 180 and 365-day elimination periods
  • Noncancelable Rider (not available to occupation
    classes A & B in CA)
  • Residual Rider
  • All occupation classes
  • To Issue ages 18-60
  • The maximum issue and participation is $5,000 of IDI with all carriers
  • There is a maximum of 200% extra premium rating in addition to standard rates. (Regardless of tobacco use, applications under Second Chance UnderwritingSM will be given standard rates.) Non-smoker rates are not available.

Please see the Second Chance Underwriting flyer,form 13653 for more details.

* The Protector is available in California only.

A new video is available to help you increase your DI Sales

The Standard is also pleased to make a new video available to help you sell individual disability insurance to your customers. The video may be downloaded from www.standard.com/di under Marketing Materials/Presentations.
DIBroker :: Disability Protection for Life