The ProtectYourIncome.com Process
It’s easier than you think to get a disability insurance quote and, ultimately purchase a policy. Just follow the seven easy steps below:
Step 1 Learn About Disability Insurance
This website has a lot of information about disability insurance. Learn (without sales pressure) in the convenience of your home or office. A great place to start is the Disability Insurance Education Center.
Step 2 Request a Disability Insurance Quote
Complete our Disability Insurance Quote Request form. A licensed representative from ProtectYourIncome.com will review your request and email you quotes from several top-rated companies in an easy-to-read quote comparison, usually within 1-2 days. If more information is required to produce quotes, a representative will contact you by phone or email.
Step 3 Request a Quote Review
Your representative will review the quotes with you, help you tailor the policy to your specific needs and, if appropriate, send you an application. The quickest way to receive your application forms is in a .pdf file by email. You may also request traditional mail which takes 3- 5 business days.
Step 4 Complete an Application
Your representative can complete your application over the telephone, or if you would prefer to complete it on your own time, an application will be forwarded to you via mail or email, with all the required application fields highlighted
Step 5 Physical Exam
We will have your insurance carrier’s paramedical examiner contact you and set up a convenient appointment for a physical exam. The physical exam can take place in your home or office, and is performed by a medical professional at no cost to you (the insurance company pays for the exam).
Step 6 Underwriting Process
All insurance companies will have their underwriters review your application before issuing your disability insurance policy. This process typically takes 3-6 weeks depending upon how fast you schedule your paramedical exam and that all additional requests are met in a timely fashion.
Step 7 Approval & Delivery
Once you are approved by the insurance carrier, we will send you your disability insurance policy via express mail. We will then receive confirmation that you received your policy. All insurance carriers are required by law to give policy holders a 30 day free-look period to review their policy and give you the option to cancel within this period.