Union Central Life Insurance Company Disability

See What Union Central Disability Insurance And Our Insurance Brokerage System Has To Offer!

Plans That Go to Work When You Can’t
The Union Central Life Insurance Company offers a variety of Individual Disability Income Insurance Protection Plans with a selection of benefit and waiting periods, riders and payment plans so you can choose the options that work best for you.

Income is the foundation. Protect it with disability income insurance from The Union Central Life Insurance Company.

Non-cancelable and Guaranteed Renewable
This means the premium is guaranteed for the entire coverage period not to increase, the policy provisions are guaranteed not to change, and the policy itself is guaranteed as long as the premium is paid. A strong base policy is just the beginning. With a choice of several Definitions of Total Disability and a selection of Benefit and Waiting Periods, you can custom design the policy that will work best for you.

Guaranteed Renewable Policy
This policy is an individual disability income insurance policy that pays a monthly benefit for a covered total disability that results from an injury or sickness.

Business Overhead Expense
This policy is designed to reimburse small business owners (sole proprietors, partners, closely held corporations) for normal and customary expenses necessary to maintain their business in the event of their disability.

Employer-Sponsored Multi-Life Plans
With Employer-Sponsored Multi-Life Plans, individual disability income insurance policies are offered to a group of individuals working in professional and executive occupations with the same employer.

Disability Income Insurance (Forms U4501NC, U4502GR, UC 4403 S) issued by The Union Central Life Insurance Company, a UNIFI Company.


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Union Central/Ameritas Life
Address1 1876 Waycross Road
Address2 P.O. Box 40888
City Cincinnati
State OH
Zip 45240
Phone Number 513/595-2200
Fax Number 513/595-5418
WebPage www.unioncentral.com

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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