What should a licensed professional explain before I make a decision on disability insurance coverage?

Work from the written contract and a current illustration or benefit summary, then have a licensed professional confirm in writing which guarantees, exclusions, surrender limits, and beneficiary terms apply. When benefits and restrictions are reviewed together, disability insurance should be evaluated by the income it protects and the definition of a covered disability, not only the monthly benefit. When comparing the policy options, employer coverage and an individual policy can complement each other.