How Expensive Is Disability Insurance? 
As Ted mentioned , the premium is determined by numerous parts of a policy , including your benefit amount , elimination period , added riders , your occupation , etc. . When you choose an agent , he or she should be able to show you several different quotes . If you find a policy that you like , but it 's too expensive , be open with your agent about the amount you 're willing to pay . Your agent can adjust the policy to meet premium amount you desire . It will however , weaken the coverage , so keep that in mind . 