Insurance Education

One of the trickiest health conditions to navigate in disability insurance underwriting is a mental nervous disorder.  It used to be the kiss of death for any hopeful proposed insured, and thankfully has gotten much better.

Because mental nervous disorders are hard to prove or disprove, and because they tend to come with the territory of a stressful high income professional career (the crowd most disability insurance carriers like to target) any sign that it could be a problem down the road is an immediate time out for underwriting.

Today we'll dive into how to deal with disability underwriting if you have a history of mental nervous disorder, and how to prepare.

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Disability insurance comes with a multitude of different riders to enhance the contract.  Today we'll dive into what those riders do for you.  Additionally, we'll also touch on some contract features that may not be riders, but do vary from company to company and are a good thing to keep in the back of your mind when comparing policies.

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I remember when I was studying for my insurance license and I came across the disability insurance section.  I was sitting in my sales manager's office going through items and I commented that own-occupation was obviously far superior to any-occupation.  Little did I know my little intuitive observation lay at the core of disability insurance comparison.  It may seem unimaginable, but the definition a disability insurance policy uses can vary a lot among carriers, and this definition certainly separates the good from the bad.

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