Disability insurance is coverage that is usually kept for a long period of time. Most people buy it when they are young and keep it until they are ready to retire. Since this is a long-term purchase, you want to make sure that your policy cannot be terminated by the insurance company.
The term used to describe these policies is guaranteed renewable – if your policy is not guaranteed renewable, it can be terminated at the company’s discretion. A guaranteed renewable policy is guaranteed to remain in force as long as you continue paying the premiums on a timely basis according to the contract terms.
When shopping for disability insurance, make sure to purchase a policy that includes the most favorable contract terms and is guaranteed renewable.
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