Direct answer
Costs for self-employed individuals generally range from 1% to 3% of your annual income, but it depends on your age, occupation classification, and the specific coverage limits you select. Because self-employed workers lack employer-sponsored group plans, individual premiums are calculated based on your personal health history and verified income levels.
Industry-standard actuarial pricing models for individual disability income policies. For additional information about the factors influencing individual disability insurance pricing, see the Council for Disability Awareness‘s educational resources.
What this means for you
Costs for self-employed individuals generally range from 1% to 3% of your annual income, but it depends on your age, occupation classification, and the specific coverage limits you select. Because self-employed workers lack employer-sponsored group plans, individual premiums are calculated based on your personal health history and verified income levels.
ANNUITYFACTCHECK
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This page is informational and not a coverage guarantee or quote.
