Long Term Income Insurance is coverage that pays a monthly sum to cover your expenses if you were to become disabled and unable to function in your chosen occupation or profession.

A long term policy has a provision that would protect you from the accidental loss of your ability to work. If you are the primary wage earner, imagine for a minute what life would be like if that allowance were no longer there to support your household.

With that in mind, we have provided you with a direct source for finding the best care plans from insurers that warrant your business.

There are two major types of individual long-term disability insurance:

Non-cancelable and guaranteed renewable. (Other less expensive policies with limited, if any, premium or renewability guarantees are also sometimes available.) In the case of non-cancelable or guaranteed renewable policies, the insurer cannot cancel or refuse to renew the policy as long as the required premiums are paid on time.

The key difference between the two major types of policies is that under a non-cancelable contract, you have extra security that premiums can never be raised above those shown in the policy as long as the required premiums are paid.

With a guaranteed renewable policy, the premiums can be raised, but only if the change affects an entire class of policyholders.


Everything you have or hope in the future is dependant upon your continued ability to work. The fact is your earning power is the one asset that allows you to have all the others.


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