Each individual's lifestyle and needs are different from the next. Personal insurance products from Colonial Life offer a broad range of benefit options for you, your employees and their families, and many can help you combat the rising cost of health care. Short Term Disability: A product that replaces a portion of income of someone becomes disabled due to an accident or sickness. Accident: A guaranteed issue coverage that offers several levels of benefits to fit all budgets. Cancer: A product that pays for the direct and indiract costs related to cancer diagnosis and treatment. Critical Illness: Product that provides a lump-sum benefit for specific illness. Life: Permanent or Term coverage that provides guaranteed level premiums, guaranteed cash value, and guarateed death benefit