The Milby Group provides credit life and disability coverage using two of the top credit insurance carriers available: AIG and Protective Life Insurance Company. Through these companies, The Milby Group can offer: Minimal Health Exclusions Minimal Health Exclusions (i.e. Heart Disease, Cancer, AIDS, and ARC during the previous 24 months only). Coverage up to 84 months Life and Disability coverage for up to 84 months. Coverage past 84 months Truncated coverage for loans over 84 months. I.U.I. Involuntary Unemployment Insurance (I.U.I.) for customers who get involuntarily laid off. Short Term Coverage Less expensive "critical period" disability coverage for shorter-term disabilities. Higher Commissions Higher commissions for dealerships and financial institutions with higher product sales. Easy Claim Processing Easier claims processing for higher customer satisfaction. "Retro & Off-Shore" "Retro" and "Off-Shore" programs for qualifying dealerships.
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