Читать книгу Personal Finance After 50 For Dummies - Eric Tyson - Страница 46

After you understand the importance of having good disability insurance, hopefully you’ll be motivated to close the deal and buy it. Here are some ways to shop and compare so you end up with good coverage at a competitive price:

 Check with your employer. Group disability plans can greatly accelerate your shopping process and generally offer decent value. Unlike with life insurance plans, group disability plans tend to offer more bang for your buck.

 Peruse professional associations. For many self-employed people, if you find the associations that exist for your occupation or profession, you may well discover a fine disability plan. Just be sure to compare their offerings to whatever individual policy proposals you find.

 Avail yourself of agents. Get referrals to insurance agents in your area who specialize in disability insurance. Using the policy guidelines in the preceding section, “Identifying needed disability coverage,” solicit and evaluate proposals.

The insurance company you choose should have strong financial health with the leading credit rating agencies.