You may have disability coverage through Social Security. You may have disability insurance at work through your employer sponsored group benefit plan. But if you need individual disability insurance you need to seek objective advice from a independent agent with access to many disability companies like Standard of Oregon.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
The best option is to buy your coverage through an independent disability insurance broker. Disability insurance has many moving parts and are very customizable.
Quotes are based on a number of factors including your age, gender, occupation, income level, any medications you may be taking, and medical conditions you've been/are being treated for.
When comparing quotes, the most important thing to understand in your coverage is the definition of disability (the best definition being a "true own occupation" definition). This states what requirements must be met to have a valid claim on your disability insurance policy.
I hope the information is helpful - please feel free to contact me for assistance with your disability insurance coverage needs, including quotes and policy analysis, and any other questions you have. Thanks very much.
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Quotes are based on a number of factors including your age, gender, occupation, income level, any medications you may be taking, and medical conditions you've been/are being treated for.
When comparing quotes, the most important thing to understand in your coverage is the definition of disability (the best definition being a "true own occupation" definition). This states what requirements must be met to have a valid claim on your disability insurance policy.
I hope the information is helpful - please feel free to contact me for assistance with your disability insurance coverage needs, including quotes and policy analysis, and any other questions you have. Thanks very much.