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Professional Disability Plans

Call (242) 326-6779 or email administrator@newprovidencelife.com to ask about the NPL Income Replacement Plan.

Critical Disease Cash Plan

No matter what precautions you take, a critical disease can still affect you. The emotional, physical and financial tolls of any disease are devastating. To make matters worse, many medical expenses are not covered by regular health insurance. A Critical Disease Cash Plan gives you the security you need to handle related expenses not covered by your major medical plan.

Optional Cash Value

Should you decide to surrender your policy after ten years, our Cash Value Rider allows you to receive up to 40% of your premium back. If you keep this policy in place for 25 years, you will receive all of your money back either from the policy or the Cash Value Rider.

Critical Illness Disability Plan

The Critical Illness Disability Policy pays a lump sum benefit chosen by the Insured up  to $1,000,000 if the Insured is unable to perform the material duties of his occupation due to a covered Critical Illness or Non-Occupational Accident.

Optional Cash Value

Once the policy has been in force a minimum of ten consecutive years, the policy owner is eligible to receive a portion of the premiums back. The Cash Value benefit is a percentage of the original premium less any claims paid. For example, after the 10th anniversary one could expect to receive 40% of premium back, less claims paid.

Lump Sum Disability Plan

After 12 consecutive months of Disability, a Lump Sum Disability Benefit is paid.

Optional Cash Value

Once the policy has been in force a minimum of ten consecutive years, the policy owner is eligible to receive a portion of the premiums back. The Cash Value benefit is a percentage of the original premium less any claims paid. For example, after the 10th anniversary one could expect to receive 40% of premium back, less claims paid.

Optional Monthly Benefit

This benefit is 1% of the lump sum benefit chosen and is paid after 90 days, for 9 months.