Heritage Union L.L.C. says it is selling a life insurance policy designed to resemble a disability insurance policy.

Instead of using a lump-sum death benefit as the default benefits payment method, the policy will pay a stream of benefits that will last until the date when the insured would have turned 65, according to Heritage Union, Richmond, Va.

The new SalaryShield program will help families protect a breadwinner’s income against the risk of death, much the way a disability income policy protects income against the risk of disability, Heritage Union says.

Earlier this year, Heritage Union bought a U.S. insurance company from Annuity and Life Re (Holdings) Ltd., Hamilton, Bermuda.