To buy Disability Insurance, start by going to a reputable agent who can guide you through the process. You can save a lot of money, and get the features that will most benefit you, by having an experienced guide to lead your through the Disability Insurance maze. You can find agents online by using search engines, or in the Yellow Pages. If you also want Life or Health Insurance, you can find often Disability Insurance in the same place.
The process entails filling out an application, taking a free life insurance exam in your home, and then you usually just sit back and wait to be approved.
Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
Disability insurance is part of defensive planning. You need to establish your elimination or waiting period and the length of coverage. Most working Americans have around 90 days of cash reserves, so 90 days would be a consideration for a waiting period. If you can afford long term care to age 65, you should secure the coverage. But if it's unaffordable, at least consider short term disability.The are several online brokerage companies that specialize in disability insurance and offer the most competitive carriers in the market.
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The process entails filling out an application, taking a free life insurance exam in your home, and then you usually just sit back and wait to be approved.