How Can You Lower Your Disability Insurance Premium?

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   David RacichPRO

   Fountain Hills, Arizona

   The first place to start is to examine any riders on your disability insurance policy and weigh the economic value of the provision. If the economic value is not worth the money, then consider dropping it from the contract. You can change and/or extend the elimination period or the length of the benefit. Those two items can also deliver premium savings. If you’re healthy, you may consider shopping your disability insurance policy to several companies to see if there is any premium savings to be had. But before you do anything, consult with a disability expert who can walk you through these alternatives and their ramifications.
    

   Answered on June 15, 2013

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