Compare Long-Term and Short-Term Disability Insurance Coverage
Disability insurance protects your most valuable asset—your income. Whether you become unable to work due to injury or illness, disability insurance provides the financial security you need to maintain your lifestyle and meet your obligations. At Insubuy, we offer comprehensive disability insurance quotes designed for professionals across every industry, from healthcare providers to legal professionals and self-employed individuals.
Getting disability insurance quotes online has never been easier. Our quoting process lets you view multiple coverage options and request a quote in minutes. Whether you need short-term disability insurance quotes for temporary protection or long-term disability insurance quotes for comprehensive coverage into your retirement years, Insubuy connects you with solutions tailored to your specific needs.
Why Get Disability Insurance Quotes?
Most professionals underestimate how long they could survive without income. The Council for Disability Awareness reports that the average disability lasts over 34 weeks—far longer than most people have in emergency savings. Disability insurance fills this gap, replacing a portion of your lost income and allowing you to maintain financial stability during recovery.
Beyond basic financial protection, disability insurance quotes help you understand the true cost of comprehensive coverage. By comparing online disability insurance quotes for multiple situations, you can identify coverage options that fit both your budget and your professional needs. This is especially important for high-income earners, specialized professionals, and self-employed individuals whose income is difficult to replace through group benefits.
Our Disability Insurance Options
Insubuy offers specialized disability insurance coverage across a wide range of professions and situations. Below you'll find summaries of each insurance type we provide quotes for. Select any option to request disability insurance quotes and explore how the coverage can protect your income.
Individual Disability Insurance
Individual disability insurance provides high-limit personal coverage designed to replace a significant portion of your lost income if you become unable to perform the substantial and material duties of your occupation due to injury or sickness. This is our core offering, ideal for professionals seeking straightforward, comprehensive protection that bridges the gap between group coverage limitations and total income replacement.
Guaranteed-Issue Disability Insurance
Looking for disability insurance quotes without extensive medical underwriting? Guaranteed-issue disability insurance offers a low-cost alternative by eliminating the underwriting process. While premiums are discounted and underwriting expenses are reduced, this option makes coverage accessible for those who might face challenges with traditional medical evaluation—though with lower benefit limits than fully underwritten policies.
Supplemental Coverage to Age 70
This supplemental disability insurance provides extended coverage through age 65, 67, or 70—extending your protection well into your retirement years. This option requires an existing group or individual disability plan and is ideal for professionals concerned about gap coverage as they approach retirement. If you're totally disabled for a period longer than 120 months, the policy converts remaining monthly benefits into a lump-sum payment.
Executive 400 Insurance
High-income earners often need more than standard disability coverage. Executive 400 insurance is designed to insure highly compensated individuals at up to 65% of income replacement. Since most traditional policies cap benefits, this coverage can supplement existing disability insurance or serve as your primary protection if you're unable to obtain underlying insurance elsewhere. Ideal for C-suite executives and business owners.
Physicians & Surgeons Disability Insurance
Medical professionals face unique disability risks—the very hands and mind that generate their income are their most vulnerable assets. This specialized disability insurance plan is tailored specifically for physicians and surgeons, accounting for the specialized nature of medical practice, the high stakes of their profession, and the financial devastation that even temporary disability can cause. Get disability insurance quotes designed by professionals who understand medical careers.
Dentists Disability Insurance
Like physicians, dentists require specialized coverage that recognizes both their income levels and the specific occupational risks they face. This high-limit disability insurance is designed for dental professionals whose income increases over time. Use it to supplement existing coverage or as standalone protection if you're unable to obtain traditional disability insurance elsewhere. Coverage can replace up to 65% of your income.
StarCover Insurance
Entertainment careers require specialized protection. StarCover disability insurance is designed for entertainers and high-profile clientele, with optional riders that go beyond traditional coverage. Protect not only your income but also your appearance with optional disfigurement coverage, secure residual income protection if you can still work part-time and include cost-of-living adjustments to offset inflation during a disability.
Entertainment Industry Insurance
For behind-the-scenes entertainment professionals, income often fluctuates between projects and jobs. This specialized disability coverage accommodates irregular income patterns while offering optional disfigurement, residual income, and cost-of-living adjustment riders. Whether you're a crew member, technician, or production professional, get disability insurance quotes that reflect the reality of entertainment industry employment.
Brokers & Traders Disability Insurance
Financial professionals navigate unique occupational and health risks. This specialized coverage addresses common issues specific to brokers and traders, including income volatility, high net worth considerations, and excess coverage needs. Coverage is available for primary, supplemental, special risk situations, and both domestic and international professionals—supporting your career wherever it takes you.
Legal Professions Disability Insurance
Attorneys, judges, and legal professionals frequently earn incomes that exceed the limits of traditional insurance markets. This specialized long-term and short-term disability insurance provides primary, supplemental, special risk, and international coverage options. Get disability insurance quotes specifically designed for legal careers, recognizing both the earning potential and the specific risks attorneys face.
Blue & Gray Collar Disability Insurance
Skilled trades and industrial workers deserve protection too. This disability insurance offers high monthly limits—up to $100,000 per month or more—with participation limits up to 75% for personal disability. Whether you're a skilled tradesperson, manufacturing professional, or industrial worker, get disability insurance quotes that recognize the value of your labor and your need for income replacement.
Graded Benefit Disability Insurance
This option provides a unique approach to disability coverage. Graded Benefit disability insurance protects personal income at 65% of earnings, up to $20,000 per month. Pre-existing health conditions that are graded receive coverage at customizable benefit levels—either 80%, 65%, or 50% of your monthly benefit amount. Guaranteed for five years and non-cancellable, this coverage provides stability for those with health considerations.
Stock Option Disability Insurance
For executives at publicly traded companies, stock options represent a significant portion of total compensation. Stock Option disability insurance compensates top executives with a lump-sum benefit of up to 5 times the last three years' average stock option awards if disability prevents continued award receipt. This coverage uniquely protects equity-based compensation that traditional disability insurance overlooks.
Pension Completion Disability Insurance
Retirement security is built on multiple pillars. Pension Completion disability insurance ensures that if you become disabled, you're not penalized by reduced retirement contributions. The policy pays a lump-sum benefit equal to the balance of anticipated retirement plan contributions—protecting both your current income and your long-term retirement security.
Loss of Future Earnings Disability Insurance
Young professionals and those early in their careers face a unique challenge: traditional disability insurance protects your current income, but your earning potential lies ahead. Loss of Future Earnings disability insurance protects the lifestyle increases you would have received through career progression, not just your current salary. This plan pays a lump-sum benefit for permanent total disability, recognizing the true value of your future earning potential.
Chiropractors Disability Insurance
Chiropractic professionals depend on their physical abilities to earn income. This specialized disability insurance solves several situations that could be financially disastrous for chiropractors—from temporary conditions affecting hands or spine to long-term disabilities preventing practice. Get disability insurance quotes designed specifically for highly compensated chiropractic professionals who need to protect their lifestyle and practice investment.
How to Get Disability Insurance Quotes Online
Getting disability insurance quotes from Insubuy is straightforward and takes just minutes. Simply select the coverage type that best matches your profession and situation, answer a few questions about your age, income, and coverage needs, and request a quote from our network of carriers. There's no obligation—our goal is to help you understand your options and find the protection that's right for you.
When comparing disability insurance quotes online, consider these key factors:
- Monthly Benefit Amount: How much monthly income do you need to replace?
- Elimination Period: How long can you afford to wait before benefits begin (typically 30, 60, 90, or 180 days)?
- Benefit Period: How long do you need coverage (2 years, 5 years, to age 65, or to age 70)?
- Own-Occupation Coverage: Do you need coverage that pays if you can't perform your specific occupation, or broader any-occupation coverage?
- Optional Riders: Do you want coverage for residual income, cost-of-living adjustments, or other specialized riders?
By requesting disability insurance quotes for multiple combinations of these factors, you'll understand how different coverage levels affect your premium costs—helping you make an informed decision about the right level of protection.
Why Choose Insubuy for Disability Insurance Quotes?
Insubuy specializes in connecting professionals with disability insurance carriers that understand their unique needs. Whether you're a physician needing high-limit coverage, an entertainer requiring disfigurement protection, or a business owner protecting your income, our experienced team connects you with carriers offering disability insurance quotes specifically designed for your situation. We handle the complexity of comparing plans so you can focus on choosing the coverage that's right for you.
Ready to protect your income? Get personalized disability insurance quotes today. Our streamlined online process takes just minutes, and there's no obligation. Whether you need short-term disability insurance quotes for temporary protection or long-term disability insurance quotes for comprehensive coverage, Insubuy makes it easy to compare your options and find the right fit for your professional needs and budget.
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