Who Has The Best Disability Insurance In Arizona? 
Disability insurance is a complex morbidity product priced on the basis of your personal medical and behavioral information and annual compensation . Your age , gender , smoking status , health history and current medical condition play a role in the underwriting decision and ultimately the price tag . Behavioral items like motor vehicle violations , vocational hazards and recreational activities also contribute to the premium you 'll pay for coverage . One of the leading disability companies is the Standard . 