We respectfully submit the above Rates and Actuarial for your review and approval to be used with forms M-4026 et. al. submitted under SERFF Filing #FDLT-129506482. 
 
This filing is for coverage sold via one-on-one direct agent sales to employer groups who elect to offer disability income benefits to their employees. 
 
The forms provide disability income benefits for employees on a voluntary basis. The employees must meet the underwriting requirement of the Company in order to be eligible.