Disability Insurance for IT Information Technology Professionals
Premiums and policies for information technology IT professionals can vary from company to company. It really pays to shop around to find the best fit for you.
The best thing to do is to work with an experienced broker who can spreadsheet multiple companies and know the differences between them. More importantly, they know how to categorize your profession. These categorizations put you in an occupational class which dictates your premiums.
Some companies classify IT professionals or computer consultants the same as an administrative assistant. Some classify computer analysts the same as salespeople. Some companies will take years of experience and level of income into account. These companies may be able to get you the same rates as engineers or corporate executives which can save you 20-30% over the other companies.
When shopping for individual disability insurance online, be sure to mention your job duties, years you have been in the business and level of education. This can help you obtain the optimal policy at the best rate.