Is Disability Insurance Expensive Or Cheap? 
Like any other product or service `` expensive or cheap '' is subject . Is disability insurance worth it ? Absolutely , if you were injured or ill and unable to earn an income , it will be the best investment of your life . As far as cost , it depends on some many different factors it is impossible to quote without knowing more about a person 's situation . The average person can expect to pay 1 % to 3 % of their annual income in disability premiums in order to protect their earnings from an unthinkable disability situation . 