How To Choose Disability Insurance? 
Whether you find an agent local to you , or find an agent online , be sure to request quotes from multiple carriers . One of the benefits of not working with an agent who solely represents one company is that you can shop around to find the best policy for you . Do n't forget , the best policy is n't necessarily the cheapest or the most expensive . Make sure your agent explains the policy provisions clearly because not everyone needs every rider or true own occ . Do n't be afraid to ask specific questions . Even if your agent does n't know the answer , he can get it quickly from the underwriter . 