A CEO earned $1.6 million with $25,000 per month of personal disability in force. The CEO obtained an additional $55,000 per month to bring his replacement ratio from 19% to 60% of gross income.

A Surgeon earning $750,000 was limited to a maximum of $10,000 in individual disability income coverage. Hanleigh was able to offer an additional $10,000 per month with a 2-year benefit, followed by a minimum $500,000 lump sum in the event of a permanent disability.