Replacing Individual Disability Insurance Policies

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When it comes to replacing disability insurance, it is important to weigh the pros and cons in each individual situation. The cons of replacing an individual disability policy: Replacing a disability insurance policy requires new medical underwriting. If you have had an adverse change in health, your new policy might have exclusions or a rating which would make it less …

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Why disability insurance premiums can vary

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When shopping for disability insurance and comparing quotes, sometimes it seems that the premiums can vary greatly. Oftentimes, people ask: Am I missing something? Here are some of the reasons that disability insurance premiums on individual disability policies can vary greatly from company to company: 1)      Favorable Occupational Class. Occupations are classified into an occupational class by companies that will …

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