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SafetyNet™ is an insurance policy

that pays you in the case of a covered unemployment or disability.

You decide on the level of cash you want, and you can use it for anything you wish - rent, groceries, utilities, whatever you need.

Click below to see a video about our product basics

What does SafetyNet pay?

It pays what's called a "lump sum benefit"

 - a single cash amount paid directly to you. That amount can range from $1,500 - $9,000, depending on what you choose when you buy your policy.

Within a policy year, SafetyNet™ will pay out one lump sum benefit for disability and one lump sum benefit for layoff.

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What do I have to pay?

You pay a premium (payment) each month for this coverage

SafetyNet supplemental unemployment and disability insurance ranges from $5 to $30. Your first payment is not due for 30 days - which is also when you can first file a claim.

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What is covered?

  • Job Loss

    due to layoff, business closing, job elimination, or other employer-initiated separation not specifically excluded

  • Disability

    due to illness or injury that prevents you from working at your job for more than 30 days

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What is not covered?

  • A job loss you were told about 

    before you bought the coverage or if you quit, retire or are fired

  • A disability that starts within the first 6 months of coverage

     if caused by a condition you were treated for within the 6 months before you bought the coverage

  • Normal routine downtime 

    for seasonal and other jobs (like construction)

  • Disability due to normal pregnancy,

    alcohol or drug use, or elective surgery

  • Job loss or disability that occurs 

    in the first 30 days of coverage

  • Job loss or disability due to acts of war

    or nuclear or natural disasters

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Does the policy end if I make a claim?


 not as long as you continue to make payments.

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When does the policy end?

  • Your SafetyNet™ is issued for a one-year term.

    For Wisconsin policyholders, the policy will automatically renew for another one-year term as long as the required premium is paid and we approve. For Iowa policyholders, the policy will end after one year and we will contact you to discuss your re-purchase options.

  • You may choose

     to end your policy at any time.

  • The policy will Also end if

     the required payment (premium) is not paid, or when the lifetime benefit of $24,000 has been paid to you.