Disability Quotes Online: Beware Of Dubious Ones!


A lot of insurance companies in the US offer Long Term Disability Insurance on-line. Their objective is to provide you with the simplest way to get long term disability insurance quotes. For this, all you have to do is just make a request on-line for a disability insurance quote on their web site. You will receive an e-mail with a reference to your quote by return and will be also able to view your quote and application online in PDF format.

Your online page will have a personal quote from the insurance company along with the details of your application as well as helpful links to almost any question that you may have.

There is a lot of competition amongst the companies, some of them claim that most of their online competitors are just outsourcing services for insurance agents and in fact these insurance agents are handling the disability quotes cases efficiently from beginning to end.

Since they have enough expertise in long term disability insurance which their main domain and by specializing in this area, they have are doing quite a good job and have become prominent in their respective field. These companies aim to provide with the best services and hence serving you in a better way.

When it comes to Disability Insurance Company Products, these companies' agents are licensed to sell disability insurance even with several other companies. However, in many cases the majority of their business goes to Berkshire Life Insurance Company of America.

The carriers of such companies offer non-cancelable and guaranteed renewable disability insurance products with excellent definition of total disability.

As regards Individual Disability Insurance Products, such companies firmly believe in own-occupation disability insurance coverage since they provide the most comprehensive long term disability insurance coverage available.

These companies also caution you to not get taken in by some dubious insurance companies who may try to sell you "modified" own-occupation contracts. They urge you to compare the definition of total disability which is shown in their quote to realize the true difference.