Find an advisor
Because of the different kinds and sources of disability insurance, it’s important to talk to an insurance professional who can advise you on the coverage options that best meet your circumstances. Talk to your advisor or find an advisor to help answer your questions. There is no cost to talk to an advisor.
Meet with your advisor
To get the most out of the meeting with your advisor, take some time beforehand to think carefully about what you want to achieve. And because your advisor will need additional information to help recommend the policy that’s right for you, get together some basic information about your income, assets and liabilities.
Apply for coverage
Your advisor will handle the paperwork for you. You’ll need to submit an application for a policy that will be evaluated by the insurance company. You may also be asked to undergo a physical exam or provide other medical or financial information.