Can I Buy Disability Insurance? 
Please note that disability insurance underwriting is not the same as it once was . Most carriers now offer simplified underwriting , meaning a client under a certain age -LRB- usually 50 -RRB- can apply for DI without having to submit financials or a paramedical exam . They might still request medical records , but that 's only if substantial medical history is listed on an application . Also , do n't forget that occupations that are difficult to place can more often than not be placed through Lloyds of London or Fidelity . 