Ok, so you realize the need for disability insurance to cover what is potentially your largest asset – your income. Now which disability insurance company is right for you? Here are the three key points: 1. Financial strength of the company as measured by the independent rating agencies. This is of primary importance because this is the “bank” that will be holding your future earnings if you’re disabled. To learn more about insurance company ratings you can click here. 2. Contract structure as measure by the contract provisions. Important ones that are gone into detail in this blog and on the protectyourincome.com site include the definition of disability, what happens to your benefit if you return to work recovered but still have a loss of income (vital but often overlooked) and make sure the policy is guaranteed renewable and non-cancelable. That means that the price can’t be changed through age 65 and the contract can’t be changed. 3. Price. You might think this would be first and it would be if this were a commodity like lumber or a Sony camcorder but it’s not. Each policy from each company is different and each insurance company is different in size and strength. We can help. Check out the site, learn and then contact us and we’ll guide you through the process.