INJURY & SICKNESS

Individual Disability Income Insurance

Protect your income when you're too ill or injured to work.

What is Sickness & Injury Individual Disability Insurance*?

This Disability Income Insurance protects your source of income and provides a monthly benefit amount for a 2 or 5 year period. Benefits can be received each full month an Insured remains Totally Disabled from a sickness or injury that limits their ability to work. An insured elected elimination period will need to be satisfied prior to approved claims being paid. The disability must begin while you are actively at work and covered under this insurance.**

  • CUSTOM
  • AFFORDABLE
  • SEAMLESS
  • SECURE
  • SPEEDY
  • EASY
  • CUSTOM
  • AFFORDABLE
  • SEAMLESS
  • SECURE
  • SPEEDY
  • EASY
  • CUSTOM
  • AFFORDABLE
  • SEAMLESS
  • SECURE
  • SPEEDY
  • EASY
  • CUSTOM
  • AFFORDABLE
  • SEAMLESS
  • SECURE
  • SPEEDY
  • EASY

Product Features

  • Product Description

    This product pays a monthly benefit if you become disabled due to a Sickness or Injury, although policies may also be issued to cover disabilities due to Sickness only or Injury only*.

  • Eligibility

    Subject to underwriting you may be eligible to purchase this coverage if you are:

    US citizen or Green Card holder
    US Resident
    Age 18 to 65
    Actively at work or self-employed for at least 30 hours a week
    Minimum yearly earning of $20,000

  • Benefit Period Options

    2 or 5 years.

  • Monthly Benefit Amount

    Monthly payout between $500 and $25,000, cannot exceed 60% of the Insured’s Monthly Earned Income.

  • Elimination Period Options

    30, 90 or 180 days.

  • Administered by

    Risk Insurance and Reinsurance Solutions

  • Underwritten by

    Fidelity Security Life Insurance Company®
    Kansas City, Missouri 64111

How it works:

How it works:

1. Get an instant quote

Take a few seconds to check your coverage price.

2. Apply online

A fully digital and streamlined application with minimal time.

3. Real assurance

If approved, coverage can begin once the payment is received so you can rest easy knowing you're protected.

NEED GUIDANCE?

Asteya's customer experience team is here for you.

Contact one of our team members at support@asteya.world

*Asteya offers Injury and Sickness Disability Income Insurance policies, which are underwritten and issued by Fidelity Security Life Insurance Company®, Kansas City, Mo, and administered by Risk Insurance and Reinsurance Solutions. Policy form# ICC21-M-4028 Policy numbers SD-40 and LD-9. Some benefits, exclusions or limitations listed herein may vary by state. Not available in all states. Available benefit options and elimination period options may vary based on an applicant’s age, occupation, and health condition.

**Benefits are reduced for disabilities that begin after age 67 and for disabilities due to Mental Disorders or Substance-Related Disorders. Disabilities caused by or due to a Pre-Existing Condition are not covered until after you have been covered under the policy for 12 months.
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