Make Disability Insurance A Part of Your Financial Safety Net

1 in 4 people living in the U.S. will suffer a disability lasting for more than a year before the age of 65.

Rely on the experience of Lifestyle Life to help protect you and your family with the right Disability Insurance policy.

The statistics are alarming.

Everything You Need To Know About Disability Insurance

There are several definitions of "disability" within a disability insurance policy; therefore there are a few ways that you can be disabled under the terms of the contract. Most simply, a disability is a sickness or injury which interferes with your ability to work.


  • Income Protection When You Need It
  • Can I Qualify With My Medical History?
  • How Much Does Disability Insurance Cost?
  • I Have Disability Insurance At Work. Can I Get More?
  • Few Things To Consider
  • Supplemental Disability Insurance
  • The Underwriting Process

Income Protection When You Need It

When you fall ill or are injured in an accident, you have enough on your mind without having to worry about where your income will be coming from.

Your income, the foundation of the lifestyle you have created, affects you and your family's everyday activities and plans for the future.

Disability insurance gives you the peace of mind that you are financially protected should an injury or illness occur.

Can I Qualify With My Medical History?

As with any insurance product, there are many variables that need to be considered for qualification. In fact, very few people simply sail through the underwriting process – it is not easy to obtain maximum coverage at competitive rates. However, our experienced disability team will work with the underwriter to provide the best disability coverage available from the insurer.

We have the experience and knowledge of the many underwriters in the market place to help even some of the most difficult cases get disability insurance.

How Much Does Disability Insurance Cost?

Disability insurance is priced according to a number of factors. Some of these include: the elimination period, benefit period, age, optional riders, premium structure, occupation class, gender, state, health, amount and type of coverage, and benefit amount.

As a rule of thumb, you can expect to pay between 1-3% of your annual income for a quality disability insurance plan.

Disability insurance is one of the most vital pieces of your financial plan. If you have not secured a solid income protection plan through disability insurance, your entire financial future may be in jeopardy.

I Have Disability Insurance At Work. Can I Get More?

Yes. Depending on the coverage provided by your employer, consideration should be given to adding a supplemental disability insurance policy.

This type of policy can increase your percentage replacement of income up from the actual 45% (60% minus taxes during the claim) that you typically receive from an employer. This policy can also guarantee you the ability to have portable disability insurance, as well as likely give you more comprehensive disability coverage.

Supplemental Disability Insurance

A supplemental disability insurance policy will often times have a more comprehensive definition of total disability, a significantly better residual disability rider, and can also help protect against inflation with the addition of an optional "Cost of Living Adjustment Rider".

Individual disability is also portable and can be carried with you from state to state and job to job.

The Underwriting Process

As previously mentioned, it is not easy to obtain maximum coverage at competitive rates. However., this is what we do every day. Our team works directly with the underwriters to make sure that we appropriately navigate any health, lifestyle, or occupational risk that could present a challenge in getting you the best coverage possible.

You are in safe hands

Enjoy financial protection that always comes with peace of mind.

Ⓒ 2024 Lifestyle Life. Formerly XML Insurance Group, all rights reserved.
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All written content on this site is for information purposes only. Opinions expressed herein are solely those of Lifestyle Life, unless otherwise specifically cited. Material presented is believed to be from reliable sources and no representations are made by our firm as to another parties' informational accuracy or completeness. All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.