Preferred Financial Group

"We listen, we educate, then we perform like no one else in the industry."

Frequently Asked Questions


"Do Disability Insurance Premiums Increase Over Time?"


Answer: No. The premium is “Guaranteed Renewable”, meaning as long as you pay your premium when due, your premium will remain level until age 67. This is true for both Short-Term and Long-Term disability policies. If you have a Long-Term Disability Insurance policy, it can be extended beyond age 67…That is, if you continue to work full-time and pay the increased premium, you can be covered until age 75.