Disability Insurance

Some of the high-quality structured disability companies we work with include Ameritas, Assurity, Guardian, Lloyds of London, Mass Mutual, Ohio National, and The Standard.

To request a quote you can complete and electronically submit an RFP (see below) or contact us at 800.796.0909 Ext. 108.  You can also choose “Request Application” and we’ll contact you and with a 10-minute pre-underwriting interview we’ll be able to confirm your quote’s accuracy. If you are then ready to apply, we’ll take you through the process.

Learn more about Disability Insurance definitions and types of coverage.

Sample Individual Disability Income Policy Annual Premiums

  • AGE
  • 35
  • 40
  • 45
  • 50
  • 55
  • 60
  • MALE
  • $360
  • $445
  • $540
  • $630
  • $675
  • $700
  • FEMALE
  • $620
  • $720
  • $750
  • $780
  • $735
  • $720

These rates are based on the following: Non-Cancellable policy, $1000 monthly benefit, 90 day elimination period, payable to age 65, residual, 3% Cost of Living riders, and future increase options. These are Colorado rates with a white collar risk factor.

Please note, the Cost of Living rider is not included in the age 55 and 60 premiums

Multi-Life Premium Discounts: Females can qualify for up to 30% premium discount if 3 or more employees apply for same level coverage at the same time. Males would receive up to a 10% discount.

True Group LTD: Low-cost group DI also available to your business owner clients and their employees

Complete and submit this secured disability insurance questionnaire and one of our team members will contact you with a more accurate quote.

Sponsored by: John E. Ryan, CFP® Financial Representative of The Guardian Life Insurance Company of America®  (Guardian), New York, NY.| Ryan Insurance Strategy Consultants |A NAPFA Resource Partner