Request Received

Set for Life Insurance recommends considering the following riders:

• Own-occupation (if not already included)
• Residual/partial disability
• COLA (Cost of Living Adjustment)
• Future increase options
• Noncancelable, Guaranteed Renewable Language.

This means that the company cannot increase your premiums or modify the contract in the future.

No. There is absolutely no obligation to purchase. You are free to withdraw from the process at any time. Nothing goes into effect until your application is approved, your policy is issued, and your first premium is paid.

Yes. You may cancel your policy at any time. The insurance company can only cancel your coverage for nonpayment of premiums or when the policy reaches its expiration date, typically at age 65 or 67.

Yes. You may cancel your policy at any time. With a term policy, the policy will expire at the end of the term.

Yes. Your policy is fully portable and remains in force if you move or change jobs. If you switch occupations or medical specialties, your policy will cover you based on what you’re doing at the time you file a claim.

Premiums are based on several factors, including your age, gender, occupation or medical specialty, place of residence, benefit amount, and any riders you choose to include in your policy.

Unisex rates are no longer available except in Montana, where all policies are required to use unisex pricing.

Yes. If your policy includes a Future Increase Option (FIO) or Benefit Increase Rider (BIR), you can apply to increase your coverage by answering financial questions only—no medical underwriting is required.

An independent broker can help you objectively compare policies from multiple carriers to ensure you get the most suitable coverage at the best available rates. Some brokers also have access to exclusive discounts or Guaranteed Standard Issue (GSI) policies not available elsewhere.

No. Disability insurance rates are set by the insurance companies and are the same regardless of the broker. However, brokers may differ in terms of the discounts or special programs (such as GSI) they can access on your behalf.

Statistically, women file more disability claims, especially related to autoimmune conditions, musculoskeletal issues, and pregnancy. As a result, disability insurance rates for women are typically higher.

Men generally have shorter life expectancies than women, leading to higher life insurance premiums for male applicants.