Today more than ever before, consumers interested in obtaining individual disability insurance are aware and looking for discounts. This article provides a review of available discount programs, including the “Power of Three”, which many consumers are not aware of.

One of the most common mistakes that people make is waiting too long to apply for disability insurance. This article discusses some of the advantages of applying while young and healthy. It also includes examples of recently paid claims, where claims were made shortly after the policy was purchased.