What Is The Cost Of Disability Insurance For Individuals? 
Great question ! Disability Income -LRB- DI -RRB- insurance is pretty complex . With life insurance your rates are factored on mortality risk , but with DI your rates will be factored on MORBIDITY , not death . So , the applicant 's level of income they want to protect , their health , and often most importantly , their job classification will be among the most important determining factors . Good luck ! 