I was laughed off the phone at the first ten companies on my list. My profession, even though I was not planning on insuring myself for my time on the job, was what was keeping me from buying what I wanted. The eleventh company was Provident Life and Casualty. There I found an agent who would at least provide me with a quote. But that wasn't even close to costing what I wanted to pay.
Disability insurance breaks down into several parts.
Monthly benefits are usually fixed and extra coverage costs more. Then there is the waiting period. This is the time you wait to receive benefits. Of course, this is where your ability to survive for a short period of time without an income comes in. And then there is the length of the policy.