I need help with disability insurance?

Question

I am looking for any recommendations for companies offering short and long term disability insurace and what kind of disability insurance I would need. I am 24 married with no kids at the moment. My job is very low-risk and does not offer disability.

Answer 1

I would suggest you use yellowpages.com to search for disability insurance brokers in your area.

Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in disability insurance. These areas of insurance even require separate licenses.

A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.

The largest disability carrier is Unum. http://www.unum.com/

I would also suggest you approach your employer about group disability.  I have sold  many small business owners group DI for less than it would have cost the owner to buy his own DI policy.