Disability Insurance Rates

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Disability Insurance Rates - True Income Protection - DisabilityInsuranceForYou

Disability Insurance – The Only True Form of Income Protection

The need for Disability Insurance is real and the alternatives to disability insurance are not adequate! Almost all individuals have insurance protection for their home, automobile, health and even their cell phones, but what about their income? A disability that lasts 6 months has the potential to wipe out 10 years’ worth of savings if an individual saved 5% of their total income each year!

Disabilities Do Happen and a Disability Insurance Income Protection Plan is the only true way to protect yourself!
Let Disability Insurance For You help protect your income today!

Learn More:
The Need For Disability Insurance
Alternatives To Disability Insurance

Your Disability Insurance Rates

Click on your occupational field below to learn about the general cost of disability insurance associated with your occupation and don’t forget to request your free personalized disability quote today!

Administrative, Professional, Managerial and Clerical
Functions within the healthcare or dental field
Supervisory functions
Skilled trade or technical functions
Physical dexterity, manual labor or services
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Occupational Class 4


Occupational Class 4:

Accountant · New Car Sales · Bookkeeper · Clerical · Real Estate Agent · Computer Person · Consultant · Draftsman · Lawyer · Sales Manager · Teacher · Travel Agent

The Disability Insurance premium costs below are calculated on based on the following policy information:

  • $1,000 Monthly Benefit Amount
  • 90 day Elimination Period (Amount of time before benefits begin to accrue)
  • Including the Residual Rider (provides coverage for partial disabilities) (except occupational class 1A)
  • Non-Tobacco

The premium costs below are shown on a monthly premium mode.

Male

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$8.26
$9.04
$13.52
$19.65
$27.81
2 Year
$9.03
$10.47
$16.71
$25.30
$38.07
5 Year
$9.60
$12.75
$22.29
$35.74
$42.27
To Age 65
$13.30
$18.58
$30.20
$42.56
N/A

Female

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$11.35
$13.48
$17.04
$24.48
$39.26
2 Year
$12.64
$16.07
$21.32
$31.85
$52.40
5 Year
$13.59
$20.16
$28.87
$45.43
$59.78
To Age 65
$19.71
$30.65
$42.21
$56.24
N/A
Premiums shown are based on a standard risk with no medical underwriting modification
Premiums prepared 2012

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Occupational Class 3


Occupational Class 3:


Cashier · Dental Hygienist / Lab Technician / Minister / Nurse / Physician / Photographer / Sales Clerk / Surveyor / Warehouse Foreman (office) / Window Dresser / X-Ray Technician

The Disability Insurance premium costs below are calculated on based on the following policy information:

  • $1,000 Monthly Benefit Amount
  • 90 day Elimination Period (Amount of time before benefits begin to accrue)
  • Including the Residual Rider (provides coverage for partial disabilities) (except occupational class 1A)
  • Non-Tobacco

The premium costs below are shown on a monthly premium mode.

Male

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$10.41
$11.16
$15.74
$22.19
$36.60
2 Year
$11.48
$13.07
$19.56
$28.77
$48.89
5 Year
$12.74
$16.71
$27.36
$42.53
$59.70
To Age 65
$17.60
$24.39
$37.49
$50.87
N/A

Female

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$13.83
$15.98
$19.76
$27.45
$41.38
2 Year
$15.43
$19.09
$24.85
$35.84
$55.45
5 Year
$17.26
$24.92
$35.19
$53.42
$66.46
To Age 65
$24.46
$39.05
$52.03
$68.47
N/A
Premiums shown are based on a standard risk with no medical underwriting modification
Premiums prepared 2012

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Occupational Class 2


Occupational Class 2:


Barber / Beautician / Carpenter / Chiropractor / Coach / Electrician / Fork Lift Operator / Hair Dresser / Pipe Fitter / Machine Operator / Mason / Mechanic / Welder

The Disability Insurance premium costs below are calculated on based on the following policy information:

  • $1,000 Monthly Benefit Amount
  • 90 day Elimination Period (Amount of time before benefits begin to accrue)
  • Including the Residual Rider (provides coverage for partial disabilities) (except occupational class 1A)
  • Non-Tobacco

The premium costs below are shown on a monthly premium mode.

Male

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$15.43
$16.12
$20.88
$28.15
$44.32
2 Year
$17.18
$19.12
$26.26
$36.85
$59.72
5 Year
$20.05
$25.95
$39.21
$58.34
N/A
To Age 65
$27.90
$37.95
$54.52
$70.29
N/A

Female

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$19.61
$21.81
$26.11
$34.31
$46.35
2 Year
$21.96
$26.15
$33.09
$45.18
$62.52
5 Year
$25.86
$36.05
$49.94
$72.06
N/A
To Age 65
$38.87
$58.63
$74.94
$97.01
N/A
Class 2A – Age 65 available for Self-employed risks with a net income greater than $40,000
Premiums shown are based on a standard risk with no medical underwriting modification
Premiums prepared 2012

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Occupational Class 1


Occupational Class 1:


Automobile Body Repair & Painting / Bus Driver / Carpet Layer / Custodian / Elevator Repair / Furniture Mover / Fire Fighter / Guards / Investigator / Painter / Radio Repairman / Long Haul Truck Driver

The Disability Insurance premium costs below are calculated on based on the following policy information:

  • $1,000 Monthly Benefit Amount
  • 90 day Elimination Period (Amount of time before benefits begin to accrue)
  • Including the Residual Rider (provides coverage for partial disabilities) (except occupational class 1A)
  • Non-Tobacco

The premium costs below are shown on a monthly premium mode.

Male

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$16.64
$17.40
$22.66
$30.66
$48.48
2 Year
$18.57
$20.71
$28.57
$40.23
$65.43
5 Year
$21.74
$28.22
$42.85
$63.92
N/A
To Age 65
N/A
N/A
N/A
N/A
N/A

Female

Non-Tobacco Premiums

Benefit Period Age 20 Age 30 Age 40 Age 50 Age 60
1 Year
$21.25
$23.66
$28.41
$37.44
$50.71
2 Year
$23.84
$28.46
$36.11
$49.42
$68.43
5 Year
$28.14
$39.36
$54.66
$79.04
N/A
To Age 65
N/A
N/A
N/A
N/A
N/A
Premiums shown are based on a standard risk with no medical underwriting modification
Premiums prepared 2012

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