When it comes to individual disability insurance, not all plans are alike. Your policy contract language and premiums will be set based on the state in which you reside at the time of application. Some states that tend to have more expensive and sometimes less favorable contract language are California and Florida. If you are moving to those states, you may be better off purchasing your policy prior to moving to those states. If you currently live in California or Florida and are planning to leave, you may want to wait to purchase your policy. Make sure you work with an independent disability insurance professional who is licensed in multiple states and works with many available companies to properly advise you on what would be best for you. For more information about purchasing an individual disability insurance policy or to request an individual disability insurance quote comparison, contact Set for Life Insurance today!