How do I compare two proposals for disability insurance coverage without relying on illustrations?

The practical first move is to compare the coverage need and the contract terms before comparing price, because a cheaper policy that solves a different problem is not necessarily better. When comparing the policy options, disability insurance should be evaluated by the income it protects and the definition of a covered disability, not only the monthly benefit. When the contract terms are examined, employer coverage and an individual policy can complement each other. Use the insurer's contract and current illustration or benefit summary as the primary documents, then have a licensed professional confirm in writing which guarantees, exclusions, surrender limits, and beneficiary terms apply.