How Much Does Disability Insurance Cost

Disability income insurance premiums are determined by your occupational duties (occupational class), your age and your income. With this information the premiums will be based on how much monthly income you purchase, how soon you begin to receive benefits and how long your benefit payout period is. Developing a plan with an affordable premium is important to you and a mission of this agency.

The typical premium of our policyholders ranges from 1% – 3% of annual income, but will be determined by you before applying for coverage.

Suffering a disability can cause a catastrophic financial calamity for an individual, a family and business and is one of the most important financial tools to be considered. The most common comment we hear from a disabled person is, “I can’t believe this has happened to me. Thank goodness I purchased this policy.”