Today you're healthy. You have the ability to earn money. That money buys food and clothing, pays the mortgage or rent, and much more. In fact, your earning power has produced everything you have. So the most valuable asset you have is your ability to earn money.

But what about tomorrow? Your ability to earn an income may stop or be interrupted because of an accident or sickness. During that time you may find it difficult to maintain your standard of living — and impossible to plan for the future.

Unfortunately, the chance of a disabling accident or sickness putting you out of work is a distinct possibility. It is more real than you think, and it can have a lasting effect on you and your family.

Although UTUIA cannot prevent a physical disability from happening, we offer options to prevent the economic disability that often accompanies a physical disability. We know that the key to financial security is protection against disabilities that can interrupt your earning power. That's why we continue to offer Disability Income Replacement protection.

UTUIA's disability policy is guaranteed renewable. You are guaranteed the right to continue your coverage until you reach age 65 or retire, whichever occurs first. This means UTUIA can never refuse to renew your policy as long as premiums are paid.

Note: Benefits are not payable during the period you are receiving benefits under an employer-sponsored wage continuation program.