Disability insurance policies are available to cover disability due to an accident only, or due to either an accident or an illness. Assuming that only one of these types of disability insurance products will be purchased, it would be best to purchase coverage for both accidents and illness.

Some insurers are now selling critical illness policies. They pay a lump sum benefit ranging from around $5,000 all the way to $500,000, if you are diagnosed with certain listed illnesses.

Some policies only cover disabilities arising from accidental injuries, providing no coverage for disabilities caused by sickness. A careful reading of the terms of the contract and a knowledgeable agent is recommended. They can help you  determine the amount of coverage provided under terms of the insurance agreement.

Call Jeff Pennington today at 1-877-221-6198 and let him help you make the best choice for your disability insurance policy. It helps to have an expert on your side to get the best rates and policy available from the right insurance provider.