If you make the commitment to protect your future income by buying disability insurance, look closely at any available extra coverages called “riders” that may add considerable long-term advantages at a moderate cost.

Two of the riders available with a Knights of Columbus Income Armor policy are the Cost of Living Adjustment
(COLA) and the Guaranteed Purchase Option (GPO)

COLA: Each year, the benefits your policy provides for disabilities that last more than one year will increase to help compensate for inflation. Medical costs continue to increase significantly each year, and that trend is not likely to change anytime soon.

GPO: At some point after buying your Income Armor policy, you may see a need to increase the base monthly benefit for which you’re eligible. Without this rider, the increase would be subject to a medical exam. If you’ve developed a health condition that makes you medically ineligible, you would not have that option. With this rider, you don’t need to provide evidence of insurability.

If you don’t have disability insurance or you have it through work but don’t know how much protection it actually provides, let’s have a discussion to see if Income Armor makes sense for you.

Please contact me for any help I can offer you.
Brotherly yours,

Justin F. Tanjuaquio, F.I.C.F.
CA LIC.#; 0C46842
(916) 726-0981
justin.tanjuaquio@kofc.org