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    Is this insurance agent looking out for me?

    Enter the definitions from the quote. The brief tells you whether the policy pays when you cannot do your specialty, and what to ask the agent to change.

    Starting values are examples. Change any input to use your own numbers.

    Is this insurance agent actually looking out for me?

    The core definitions look sound: true own-occupation, a long benefit period, and a future increase option.

    What's at stake

    Monthly benefit
    $12,000
    Before tax; most individual disability benefits are tax-free when premiums are paid with after-tax dollars.
    Benefit period
    To age 65
    Waiting period
    90 days
    You fund this gap yourself.
    Definitions to fix
    0
    0 high severity, 0 medium. Listed below.

    The strongest case for change

    The definitions are competitive. Compare the premium against one other carrier and confirm the discount assumptions.

    If you decide to move forward

    1. Ask the agent for the policy's definition of disability, in the contract's own words.
    2. Ask for the mental-and-nervous limitation and the future increase option in writing.
    3. Compare the quote with one other carrier before signing.

    What this is based on (medium confidence)

    • Individual disability policy, not group coverage; group definitions and offsets differ.
    • Benefits are assumed tax-free because premiums are paid with after-tax dollars.
    • Flags are rules of thumb from the definitions, not an actuarial or insurer rating.

    Arithmetic on the inputs above, not financial advice. Change an input and the answer changes.

    Decision record

    One page that captures the question, the answer, the step you chose and what the numbers assumed, with a date to review it. Kept in this browser only; nothing is sent anywhere.