This is an insurance product that a lot of us buy in the hope that we never have to use it. No one plans on becoming disabled and not able to work, but it happens more often than you want to believe. Disability is a complicated product that requires explanation and understanding prior to purchase. The three key elements to disability insurance are the amount of payment you need per month, the time before the insurance kicks in, how long the benefit is paid.The when it starts is called the elimination period and the norms are 30 day and 120 day. The next part is the benefit period which can be 2 years, 5 years or to age 65. This product also has important clauses that define any and own occupation. If you decide to purchase disability insurance, you need to talk to us to make sure you have the right product for your situation at a cost that is affordable.