Quoting disability insurance is dependent upon a number of factors to give an accurate quote, including:

  1. Age
  2. Gender
  3. Occupation class
  4. Annual income
  5. Type of income (e.g. W-2 employee, 1099 contractor, S-Corporation, C-Corporation, etc.)
  6. Do you have any group long-term disability is in place? If so, what percentage of salary does it cover and is it taxable or non-taxable?
  7. Do you have any other individual disability insurance in place? If so, what is the benefit amount?
  8. Are you self-employed? If so, do you work from home more than 50% of the time and how long have you been in business?
  9. Have you recently changed occupations or employment?
  10. Are you taking any prescriptions?
  11. Are you being treated for any medical conditions?
  12. Any history of hospitalization, emergency room visits, or surgeries?
  13. Any history of mental health treatment?
  14. Any history of other medical treatment?

Medical conditions may require an exclusion rider, premium percentage increase (a rating), or a limitation of benefits allowed (such as optional benefit riders or reduced benefit period).

Due to the number of factors that go into creating the structure of a disability policy, instant online quotes are not available.

To get a quote for a disability insurance policy to protect your income, give us a call today at 1-888-972-0024 or CLICK HERE to send us an e-mail.  We can help design a disability policy to suit your personal needs and budget.