Any disability insurance policy is priced based on several factors of the applicant. These include age, gender, occupation and duties of that occupation, tobacco use, and the amount of coverage needed or desired. The amount of coverage is often dictated by the person's earned income; the more someone earns, the more coverage that is available. There are several policy design features that can be included in the plan (or not) that will also affect the price. The person's medical history can also play an important role in pricing.
As you can see, there are lots of moving parts to a disability policy that will affect the price. Doctors often buy coverage to protect their specific medical specialty. Best to discuss this important insurance coverage with a knowledgeable professional.
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As you can see, there are lots of moving parts to a disability policy that will affect the price. Doctors often buy coverage to protect their specific medical specialty. Best to discuss this important insurance coverage with a knowledgeable professional.