In general, a disability contract may be guaranteed renewable only or both non-cancelable and guaranteed renewable.

If a policy is guaranteed renewable only, the insurance company agrees to keep renewing the contract for as long as premiums continue to be paid on a timely basis. While the insurer cannot change the provisions of the policy, it can increase premiums by state, occupation class, policy form or other categories with prior notification.

When the term "non-cancellable" is added to guaranteed renewable, the insurance company cannot change any policy provisions and it cannot increase the premiums. As long as premiums are paid on a timely basis-and assuming that all underwriting information is truthful and accurate-the insurer cannot cancel the contract. A non-cancellable, guaranteed renewable policy obviously provides the greatest degree of protection and therefore is the best for you to own. ProVider Plus is both non-cancellable and guaranteed renewable.*