Designed to help you prepare for challenging times

Designed to help you prepare for challenging times

About Premier Disability Plus

Premier Disability Plus is disability coverage for accident and sickness that is offered to global citizens on an individual and group basis providing a lump sum in the event of an accident or sickness. Unlike other products in the market, Premier Disability Plus is a true disability coverage policy that covers until age 65 without annual medical information reviews and with level premiums for the life of the contract.

Key Benefits

  • Lump sum payment after 12 months of total and permanent disability
  • Option Temporary Disability benefit will pay up to 70% of your monthly salary during first 12-month waiting period
  • Rates are guaranteed 5 years, 10 years, and up to age 65
  • No medicals required up to a sum of $500,000

Don't let a disability get in the way of your goals

If you have any additional questions, please feel free to reach out to us.
AD&D Benefit Table
Total and irrecoverable loss of sight of both eyes 100%
Total and irrecoverable loss of sight of one eye 50%
Loss of use of two limbs 100%
Loss of use of one limb 50%
Total and irrecoverable loss of sight of one eye and loss of one limb 100%

Disability Definition

Administrative Desk Duties or duties pertaining to the Insured’s usual Occupation (as stated on proposal form).
Permanent Total Disability: Accident and Sickness
Temporary Total Disability: Accident and Sickness


All claims are subject to:
  • The completed claim form;
  • An official document proving the date of birth of the Insured and official certificate of death, in event of accidental death;
  • Proof of employment at date of disability/death;
  • Proof of salary, at date of disability/death;
  • A detailed medical report from the attending physician(s) on the onset, course and consequences of the bodily injury, disease or accident, as well as the degree and probable duration of the disability. The Insurer may request further proof of disability at any time and have the Insured examined by its own medical consultants;
  • During the continuance of a period of disability, updated medical reports from the attending physician(s) as often as the Insurer may reasonably require.

Exclusions and Limitations

This Insurance does not cover claims in any way caused or contributed to by:
  • Death by natural causes;
  • War or any act of war, whether war is declared or not, invasion, civil commotion or riots of any kind;
  • Bodily Injury or Sickness sustained while in any of the armed forces (land, sea or air) of any country or international authority;
  • Intentional self-inflicted injury or attempted suicide or the Insured Person being in a state of insanity;
  • The Insured Person being under the influence of alcohol or having taken drugs or narcotics, or any poison, chemical compound, gas or fumes, unless prescribed by a legally qualified physician or surgeon;
  • Bodily Injury or Sickness occasioned or occurring while the Insured Person is committing or attempting to commit a felony or to which a contributing cause was the Insured Person being engaged in an illegal activity;
  • Pregnancy, childbirth, miscarriage or abortion;
  • Bodily Injury or Sickness arising out of a Pre-Exsiting Condition unless noted in the proposal form and agreed by the Underwriters;
  • Acquired Immune Deficiency Syndrome (AIDS), AIDS’ Related Complex (ARC) or Human Immuno-deficiency Virus (HIV) howsoever these have been acquired or may be named;
  • Neuroses, psychoneuroses, psychopathies, psychoses or mental or emotional diseases or disorders of any type;
  • Any loss arising out of any medical or psychological condition where no firm and complete diagnosis can be made with regard to the causal factors and no firm and complete prognosis can be made as to the likely severity of the condition or its permanence;
  • The Insured Person riding or driving in any kind of race or endurance test; riding or being a passenger in any 2, 3, or 4 wheel mechanically powered motorcycle, quad or scooter abovecc; or traveling in any aircraft which is being used for crop-dusting, seeding, skywriting, racing, exploration or any other purpose than transportation as a passenger; unless noted in the proposal form and agreed by the Underwriters;
  • The Insured Person’s deliberate exposure to exceptional danger (except in an attempt to save human life);
  • Any cause specifically excluded by an Endorsement to this Policy;
  • Nuclear Reaction, nuclear radiation or radioactive contamination;
  • Hazardous occupations as well as activities/ sports/ hobbies based on, as stated, underwriter review, consideration and additional premium;
  • Partial disability other than for the Loss of Sight of one eye or the loss of use of limb as per the Schedule.