Do your own thing with a policy you control, with customizable guarantees and features.

For individuals who are healthy and financially stable.


Guarantees for the Future

Individual coverage is generally Guaranteed Renewable and often Non-Cancellable to age 65 or older - meaning the insurer cannot cancel or increase the premium until that time, provided the premium is paid.

Only individual coverage can offer flexibility and control over how you work, with ongoing income protection when you are no longer currently disabled.

Adapt to a Changing Career

As a man's career evolves, upgrades are generally possible without risk of take-backs.  For most carriers, the option to upgrade without medical evidence is available only by rider for qualified applicants, for additional cost.

Own-Occupation Coverage

Own-occupation coverage for the full Benefit Period is fairly standard, meaning it should pay even if the insured individual can do something else.  Whether full benefits will still be paid while working in a different occupation is policy-specific.

Customize the Durations

The Elimination Period (the length of time before benefits begin) is selected at the time of application and usually ranges from 30, 60, 90, or 180 days.  The Benefit Period options are 2, 5, or 10 years, or to age 65, 67, or 70.  Lifetime benefits are special situations.


Disability Underwriters

1420 5th Avenue   Suite 2200

Seattle, WA     98101

(206) 673 2219