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Who
are the best disability insurance carriers?
Understand
that having the most policyholders does not mean that a company
has the best policy for you, or that that particular disability insurance
company is the best. Sometimes the size of the company is not the most important factor in determining
the best policy. The best long term disability insurance companies are the ones that are specialized
and dedicated to this particular type of insurance or niche market. Remember, disability
insurance companies need to make a profit, or they will fail.
What
makes one particular disability insurance contract better
than the others?
The
key components to a disability insurance policy are the renewability,
definition of total disability, definition of residual disability, built in exclusions,
and company financials backing the policy. One disability insurance policy is the best for you as an
individual, depending on your personal needs.
What
is the rate of a disability insurance policy?
The
premium depends upon how much disability insurance coverage you
want to have. You could buy a disability insurance policy that only pays $500 a month,
has a 2 year elimination period, no optional riders, and has a 5 year benefit period. Disability
insurance policies are tailored to fit your individualized and personal needs and
preferences.
What
is the normal time for underwriting for disability insurance quotes?
Underwriting
a long term disability income insurance policy takes an average
of 30-60 days, depending on the amount of information requested by the disability
insurance company.
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