Individual disability insurance is a product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract.
Our goal is to help you choose the best policy to meet your needs. I will provide you with information regarding the major features of a disability insurance policy so that you may better understand how to read a disability insurance policy. I will also provide you with links to some third party articles, and links to the best disability insurance sites I have found on the internet to obtain quotes.