"This has to be the hottest product on the market, as it insures 100% of a Professionals Retirement Protection Contributions and protects the loss of these contributions during a disability to Age 65."

If you are 40 and were disabled today and are currently contributing $40,000 per year into your retirement plan, you could lose as much as $1,000,000 in contributions. The actual value of that money could obviously be much greater as it would have been invested and or just received interest over the next 25 years.

The Retirement Protection Policy is simply an additional disability policy or rider designed specifically to help protect contributions in a qualified retirement plan should you become disabled.

The policy itself, is basically the same exact contract that you purchased for your personal coverage, except, the elimination period generally offered is 180 days and the residual rider is not offered.

When totally disabled, the monthly benefits are usually paid into a trust which is held until age 65. You will normally have the ability to direct the funds.