Social Media Strategist, Disability Insurance Services, California
It's hard to answer your question without any specifics about your age, occupation or health. There are several carriers who will write high risk occupations (if that's your concern), and there are also carriers who will write people with certain medical conditions, though the policy is typically more expensive, has exclusions and/or a smaller benefit period.
Aside form all that Kelly said, here are some other things to consider...
Definitions are THE MOST important thing to consider in a DI policy... You must understand:
Total vs. Partial Disability
Recurrent Total Disability
"Own Occupation"... (How long does that last)
& much more.
Disability has many moving pieces. It's important to understand what you are buying. I have a great report called "Stop wasting your money on Disability Insurance" that you can have... just reach out for a copy...
-gravy
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Definitions are THE MOST important thing to consider in a DI policy... You must understand:
Total vs. Partial Disability
Recurrent Total Disability
"Own Occupation"... (How long does that last)
& much more.
Disability has many moving pieces. It's important to understand what you are buying. I have a great report called "Stop wasting your money on Disability Insurance" that you can have... just reach out for a copy...
-gravy