When it comes to personal disability insurance plans, the terms aren’t so different for both individual and group plans. However, there are some crucial aspects that you need to analyze to make sure you’re getting the best rates under the best conditions.

One of the main factors to consider when applying for long-term disability insurance is the rates, also called premiums. Disability insurance rates have the skillset and experience needed to create the insurance plan that would benefit you in the long run, without impacting your current financial position. When we create the insurance plan, we analyze every individual from a few aspects: