Accidental Disability Income Insurance


Individual Disability Asset Protector Insurance offered by Lloyds of London

  • The Disability Asset Protector offered by Lloyds of London is issued immediately to all applicants who have current income, regardless of medical condition.
  • The Disability Asset Protector insured by Lloyds of London involves NO medical underwriting.
  • Accidental Death and Dismemberment Rider

Some interesting facts:

  • According to the Centers for Disease Control and Prevention, accidents are the 5th largest cause of death in the United States, behind heart disease, cancer, chronic lower respiratory diseases, and stroke.
  • According to, your odds of becoming permanently disabled before you retire are about 1 in 3, with leading causes including arthritis, heart disease and stroke, cancer, mental health problems, diabetes, and accidents.
  • Disability insurance that protects against income loss caused by accidents fills in a critical gap in most major medical health insurance policies that may cover doctor and hospital expenses but do not replace lost income.
  • Without disability insurance that protects against income loss caused by accidents, a person may be unable to meet monthly living expenses even if major medical health insurance covers all medical expenses.
  • Accidental disability insurance designed to protect against income loss caused by accidents can be structured to indemnify policyholders against the risk of losing major capital investments such as home and automobiles, while providing protection for business interruption and the continuance of funds to pay costly school tuitions.

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