How to Insure Your Income: How Insurers Price Disability Coverage Conclusion

This chapter has reviewed the essential factors that an insurance company considers when it prices disability income insurance. Of course, every company prices insurance coverage in its own way -- one company's rejected risk will, occasionally, be another's preferred. But, in most situations, companies calculate risks consistently.

If you have applied for disability insurance and received a quote that seems too high or too restrictive, you should ask the company's agent or customer service department to explain the reasons for the quote. In just about any case, the explanation should cover information you've read here.