Disability Insurance for Lower Income Earners : An Affordable Solution


In order to offer insurance programs on an individual basis, disability carriers incur significant costs during the underwriting process by obtaining medical exams and medical records. To recoup underwriting expenses, the premiums charged by many carriers are disproportionately expensive for most hard working, low-income clients.

The Simplified Issue Disability Insurance Plan was designed to offer a low-cost disability insurance option. Offering benefits in a simplified issue format allows underwriters to discount premiums and reduce the fees associated with underwriting expenses. By doing so, premiums are reduced to manageable monthly payments for the applicant. Previously, many carriers would not offer coverage to anyone with an annual income below $40,000. The Simplified Issue Disability Insurance Plan now offers a solution to low-income households which were previously unable to obtain affordable and sufficient disability coverage.


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