Can You Get Disability Insurance If You’re Self-Employed?
Can You Get Disability Insurance If You’re Self-Employed?
Yes — you can get disability insurance if you’re self-employed, and in most cases you need it more urgently than someone who receives automatic group coverage through an employer. Freelancers, independent contractors, consultants, sole proprietors, real estate professionals, tradespeople, and small business owners share one structural reality: the moment you cannot work, your revenue stops. There is no HR department triggering a group short-term disability benefit. There is no employer-paid group plan quietly running behind the scenes. If illness or injury removes you from the field for weeks or months, your mortgage, your business overhead, your household expenses, and every other fixed obligation continues on its own schedule regardless of what your health is doing. Individual disability income (DI) insurance is the mechanism that bridges that gap — replacing a defined percentage of your earned income for a contractually specified period while you recover. It is not a luxury for self-employed professionals. It is the income protection infrastructure that W-2 employees receive automatically and that self-employed workers must deliberately build for themselves. Our resources on disability insurance for the self-employed, own-occupation disability insurance, and disability insurance services provide the full landscape of options available for self-employed applicants across different industries, income levels, and business structures
The risk that disability insurance protects against is larger than most self-employed professionals intuitively assume. According to data from the Council for Disability Awareness, the average long-term disability claim lasts approximately 34.6 weeks — nearly eight months. For a self-employed professional with $100,000 in annual net income, an eight-month disability represents roughly $67,000 in lost revenue. That figure does not account for business overhead that continues during the disability period, savings depletion that makes the eventual recovery more financially fragile, or retirement contributions that stop when earned income stops. The leading causes of disability claims are not dramatic accidents — they are musculoskeletal conditions (back injuries, joint disorders, repetitive strain), cancer, cardiovascular disease, and — increasingly — mental health and neurological conditions, which have grown as a share of long-term disability claims in recent years. These are conditions that can affect any self-employed professional regardless of the physical demands of their work. The Social Security Disability Insurance (SSDI) system is often cited as a fallback, but the average SSDI benefit is approximately $1,582 per month — far below the income most self-employed professionals need to cover basic living and business expenses — and the average SSDI application denial rate exceeds 68%. Private individual DI insurance is the only coverage layer that reliably delivers a meaningful income replacement benefit when a working self-employed professional experiences an extended disability. Our resource on Social Security benefits for the self-employed covers the SSDI landscape in more detail, including how self-employed applicants’ reported net income affects SSDI eligibility and benefit amounts.
The good news is that the individual DI market serves self-employed applicants across a wide range of occupations, income levels, and business structures — from physicians and attorneys to consultants, dentists, engineers, real estate professionals, and tradespeople. The underwriting process is more documentation-intensive than for a W-2 employee (requiring tax returns, profit and loss statements, and sometimes business bank statements rather than a simple pay stub), but it is entirely manageable with proper preparation. The quality of individual DI policies available to self-employed applicants — particularly the own-occupation definitions, residual benefit provisions, and customizable rider structures — often exceeds what most employer group plans provide, because individual policies are underwritten to the specific person rather than averaged across a group. The earlier a healthy self-employed professional applies, the more favorable the terms: lower premium locked in at a younger age, access to the full range of benefit amounts, and eligibility for Future Increase Options that allow coverage to grow with income without new medical underwriting. Our resources on short-term vs. long-term disability insurance and how much disability insurance you need cover the structural coverage decisions before you begin comparing carriers and policy designs.
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Request a Disability Insurance QuoteKey Policy Decisions — What You’re Actually Choosing When You Buy DI
Disability income insurance is not a commodity where one plan is essentially like another. The policy decisions below determine whether a given plan will pay benefits in the specific scenarios most likely to affect your income — and getting them wrong can mean buying a policy that is technically in force but practically useless when a claim is filed.
| Policy Component | Your Options | The Trade-Off | The Bottom Line for Self-Employed |
|---|---|---|---|
| Disability Definition | True own-occupation; modified own-occupation (own-occ for defined years then any-occ); any-occupation | True own-occupation: pays if you cannot perform your specific job’s duties — even while working in a different capacity. Any-occupation: pays only if you cannot perform any work at all. Premium difference is approximately 10–20%. | Never compromise here. The 10–20% premium savings from any-occupation coverage is not worth the enormous reduction in claims eligibility. For self-employed specialists, any-occupation can effectively eliminate benefit eligibility for the most likely disability scenarios. |
| Elimination Period | 30, 60, 90, or 180 days (most common) | Longer elimination period = lower premium, but longer period you fund from savings. 90 days is the most common balance; 180 days saves more premium but requires 6 months of reserve. | Match the elimination period to your actual emergency reserves — not to what sounds reasonable. If you have 3 months of expenses accessible, a 90-day elimination period is appropriate. If you have 6 months, 180 days may reduce premium meaningfully. |
| Benefit Period | 2 years; 5 years; 10 years; to age 65; to age 67 or 70 | A 2-year or 5-year benefit period is less expensive but leaves a multi-year or permanent disability uncovered after the benefit period ends. To-age-65 coverage is the most protective for prime earning years. | For most self-employed professionals, to-age-65 benefit period is the standard recommendation. The marginal premium cost above a 5-year period is modest relative to the catastrophic gap a 5-year policy leaves in the event of a permanent or decade-long disability. |
| Benefit Amount | Typically 50–70% of eligible net earned income; maximum based on carrier’s income verification of 2–3 years of tax returns | Net taxable income (after deductions) — not gross revenue — determines the maximum eligible benefit. Self-employed applicants with large deductions may qualify for a lower benefit than expected. | Net income matters more than gross revenue. Some carriers allow add-backs for depreciation and non-cash deductions. Work with a specialist who knows how each carrier handles self-employed income documentation. |
| Residual / Partial Disability | Built into policy or optional rider; pays proportional benefit based on income loss percentage during partial disability | Without residual: zero benefit if you are working at all — even at 40% of normal capacity. With residual: proportional benefit based on actual income loss percentage. | Critical for self-employed. The most common disability scenario for business owners is partial — a gradual return to work at reduced capacity. A policy without strong residual provisions may pay nothing for the most likely claim scenario. |
| COLA Rider | Optional; increases monthly benefit annually during a claim at a specified rate (compound or simple) or tied to CPI | A $5,000/month benefit at the start of a 5-year disability loses meaningful purchasing power without a COLA rider. Adds premium cost. | Most valuable for younger self-employed professionals and anyone selecting a to-age-65 benefit period. Less critical for applicants in their late 50s with shorter remaining benefit windows. |
| Future Increase Option (FIO) | Optional rider allowing purchase of additional coverage at future intervals without new medical underwriting | Allows benefit amount to grow as income grows — without risking new health conditions disqualifying the increase. Adds modest premium cost at purchase. | Highly valuable for early-career self-employed professionals whose income is expected to grow. Lock in insurability now; increase coverage as the business grows without proving health eligibility again. |
| Business Overhead Expense (BOE) | Separate policy covering fixed business expenses (rent, employee salaries, equipment leases, utilities) during disability; benefit typically lasts 12–24 months | Personal DI replaces your income. BOE keeps the business operational. BOE premiums are generally tax-deductible as a business expense; benefits received are taxable. Personal DI premiums are generally not deductible; benefits are tax-free. | Essential for business owners with significant fixed overhead (physical location, employees, equipment leases). Less necessary for solo home-based consultants with minimal fixed overhead. |
Policy features, definitions, rider availability, and premium ranges vary by carrier, occupation class, state, age, and underwriting outcome. Confirm all features in the formal policy documents before any purchase decision. Work with a licensed disability insurance specialist to verify which features are available for your specific occupation and income profile.
Why Own-Occupation Is Non-Negotiable for Specialized Self-Employed Professionals
The disability definition is the most consequential decision in any DI policy — and for self-employed specialists, it is the one where the wrong choice can make an entire policy functionally useless. An own-occupation policy pays benefits when you cannot perform the material and substantial duties of your own specific occupation, regardless of whether you are capable of working in a different role. An any-occupation policy pays benefits only when you cannot do any work at all — a standard so restrictive that it eliminates benefits for the vast majority of real-world disability scenarios. The premium difference between these two definitions is approximately 10–20%. The difference in claims outcomes is enormous. A physician who develops an essential tremor affecting surgical performance can collect own-occupation DI benefits while teaching or consulting. An attorney who develops a voice disorder preventing courtroom practice can collect own-occupation DI benefits while working in transactional law. A dentist with a hand condition can collect own-occupation DI benefits while transitioning to an administrative or consulting role. In each of these scenarios — which are among the most common forms of specialty-specific disability — an any-occupation policy pays nothing because the insured is still capable of some work. Our resources on own-occupation disability insurance, disability insurance for physicians, and disability insurance for dentists cover the own-occupation definition in depth and how it specifically applies to high-skill specialties where partial impairment most commonly triggers a disability claim.
The Income Documentation Challenge — Net Income vs. Gross Revenue
The underwriting process for self-employed applicants is more documentation-intensive than for W-2 employees, but it is manageable with preparation and the right guidance. Carriers typically require two to three years of federal tax returns (Schedule C for sole proprietors; Schedule K-1 for S-corporation or partnership income; corporate returns for C-corporations), current-year profit and loss statements when income has changed materially, and sometimes business bank statements. The critical variable is net taxable income — income after all business deductions — which is what carriers use to calculate the maximum eligible monthly benefit. A self-employed professional with $300,000 in gross revenue who takes $120,000 in legitimate business deductions has a net taxable income of $180,000, and the maximum eligible benefit is calculated from $180,000 — not from $300,000. Self-employed applicants with aggressive tax planning may find their maximum eligible benefit lower than their actual cash flow would suggest. Some carriers allow add-backs for depreciation, amortization, and other non-cash deductions when calculating benefit eligibility — which can restore meaningful benefit capacity for applicants with large non-cash deductions. Working with a disability insurance specialist who understands how individual carriers handle self-employed income documentation is one of the most practical steps to maximizing both the approved benefit amount and the quality of the coverage terms.
Occupation Classes — How Your Work Determines Your Rate and Definitions
Disability insurance carriers assign each occupation to a risk class that determines premium rates, the quality of own-occupation definitions available, and benefit period options. The class system typically ranges from Class 1 (highest physical risk, most restrictive definitions, highest cost) through Class 4A or 6A (lowest physical risk, strongest definitions, most competitive pricing). A self-employed software developer or financial consultant typically qualifies for a top occupation class with excellent own-occupation definitions and competitive pricing. A self-employed contractor, plumber, or tradesperson qualifies for a lower class with higher premiums and potentially restricted definitions — such as own-occupation only for the first two years of a claim before converting to a modified standard. Occupation class also interacts with how the duties of the business are described: a self-employed professional whose actual daily work is primarily office-based, supervisory, and client-facing may qualify for a higher class than someone in the same general industry who performs physical labor directly. An experienced disability insurance specialist can review how your actual occupational duties affect the class assignment and whether the characterization of your work is presented as accurately and favorably as the carrier’s guidelines permit. Our resource on disability insurance for self-employed professionals covers occupation class considerations across the most common self-employed professions.
Top Carriers for Self-Employed DI — What Each Does Best
The individual DI market for self-employed applicants is served by a core group of specialty carriers, each with different strengths in terms of definition quality, underwriting philosophy, pricing, and rider structure. Understanding the general profile of each helps narrow the comparison to the carriers most likely to produce the best outcome for a specific occupation, income level, and health history. Guardian is widely regarded as the carrier with the strongest own-occupation contract language and the clearest claims definitions in the market — particularly for high-earning specialists and professionals who want the most precise and enforceable disability definition available. Guardian’s enhanced true own-occupation definition and its deep rider library make it the frequent recommendation for physicians, attorneys, dentists, and other specialists for whom definition quality is the top priority. Principal is recognized for strong value across a wide range of occupation classes and is known for slightly more lenient underwriting than Guardian or MassMutual — making it a competitive option for applicants with minor health conditions that might rate or restrict with other carriers. Principal’s Income Advantage policy includes strong own-occupation provisions and residual disability benefits. Ameritas is often the most competitively priced carrier for true own-occupation coverage, making it particularly attractive for younger self-employed professionals or cost-conscious applicants who want premium own-occupation definitions without the higher pricing associated with some competitors. The Standard offers one of the most flexible rider structures in the market through its Platinum Advantage DI product — well-suited for applicants whose situation calls for a customized benefit design with specific rider combinations. MassMutual brings over 165 years of financial strength to a strong own-occupation product line and is frequently recommended for self-employed professionals who want the combination of top-tier carrier financial strength and genuine own-occupation protection. The right carrier for any individual applicant depends on the specific occupation class, income documentation, health history, and benefit design preferences — which is why multi-carrier comparison through an independent disability insurance specialist consistently produces better outcomes than going directly to any single carrier. Our resource on best independent disability insurance broker covers the comparison advantage of working with a broker who has access to the full carrier market.
What Disability Insurance Costs for Self-Employed Professionals
Individual disability income insurance premiums for self-employed applicants typically run in the range of 1–4% of annual net income, with the specific cost driven by age, occupation class, benefit amount, elimination period, benefit period length, and the riders selected. As a directional reference: a self-employed professional earning $50,000 annually in a favorable occupation class might spend $500–$1,500 per year on a solid own-occupation policy; at $100,000 in annual income, the range might be $1,000–$3,000 per year; at $200,000, roughly $2,000–$6,000 per year. These are approximations — actual premiums vary materially based on all the factors above, and carriers price the same coverage quite differently depending on how they view your specific occupation and health profile. The most effective way to understand actual cost is to run multi-carrier quotes through a disability insurance specialist, which typically reveals meaningful premium variation across carriers for equivalent coverage. A longer elimination period (90 or 180 days vs. 30 or 60) can reduce premium cost without reducing the quality of the disability definition or benefit structure — making it one of the most practical levers for managing premium cost while preserving the most important coverage features. Age at application is the other major cost lever: locking in premium at 35 versus 45 typically produces a substantially lower lifetime cost, because DI premiums are age-rated and the rate set at issue stays level as long as the policy is maintained.
Residual Disability — The Coverage Feature Most Self-Employed Professionals Actually Need at Claim Time
The most common disability scenario for self-employed professionals is not a sudden, total inability to work — it is a partial reduction in work capacity that reduces revenue without eliminating it entirely. A business owner recovering from a cardiac procedure may return to work at 50% capacity for three months before fully recovering. A consultant managing a chronic condition may work 25 hours per week instead of 55, producing proportionally lower income during an extended management and treatment period. A professional recovering from orthopedic surgery may complete a 4–6 month graduated return with progressively increasing capacity. In all of these scenarios — which describe the majority of real-world long-term disability claims — a policy that only pays benefits when the insured is completely unable to work produces zero benefit, because the insured is technically working. A residual or partial disability provision pays a proportional benefit based on the percentage of income lost compared to the pre-disability baseline. For self-employed business owners, whose recovery often involves a gradual rather than immediate return to full productivity, residual disability is not an optional enhancement — it is the coverage feature most likely to pay benefits during the actual course of the most common disability claims. Confirming whether residual disability is built into the base policy or available only as an optional rider (and at what additional cost) is an important step in comparing policies side-by-side. Our resource on disability income insurance for key person employees covers the related coverage consideration for businesses where an owner’s partial disability would affect the business even if it wouldn’t trigger a total disability benefit.
Social Security Disability — Why It Can’t Be the Primary Plan
Many self-employed professionals assume that Social Security Disability Insurance provides a meaningful income floor if private DI isn’t in place. The reality is more sobering. The Social Security Administration requires a very strict disability standard — inability to engage in any substantial gainful activity due to a medically determinable condition expected to last at least 12 months or result in death. The average denial rate for initial SSDI applications exceeds 68%. Approvals take months to years, appeals are common, and the final approved benefit is based on lifetime wage history — for self-employed individuals who have reported lower net income to minimize taxes, this means SSDI benefits may be significantly lower than expected. The average SSDI monthly benefit is approximately $1,582 for disabled workers, with a maximum around $4,018 — amounts that fall far short of most self-employed professionals’ actual income replacement needs. For self-employed workers, the SSDI picture is further complicated by the fact that reported net self-employment income (after deductions) is the earnings basis for SSDI benefit calculations — meaning aggressive tax planning that reduces net income also reduces potential SSDI benefits. Private individual DI insurance remains the only reliable mechanism for replacing a meaningful percentage of self-employment income during an extended disability with reasonable certainty and without an application process that averages years to complete. Our resource on Social Security benefits for the self-employed covers the SSDI eligibility and benefit framework in detail.
Integrating DI With Your Full Financial Plan
Disability insurance does not exist in isolation — it is the income protection layer that makes every other element of a self-employed professional’s financial plan reliable. The retirement contributions that fund a Solo 401(k), SEP-IRA, or other self-employed retirement vehicle depend on consistent earned income. The mortgage, business loan, equipment financing, and other debt obligations depend on consistent earned income. The household budget, college savings, and daily financial functioning of the family depend on consistent earned income. A disability that interrupts that income without a replacement mechanism does not just create a short-term cash flow problem — it stops retirement contributions at the years when compounding is most powerful, may force liquidation of retirement assets before their time, and can permanently weaken the long-term financial trajectory in ways that outlast the disability itself by decades. Our resources on how a 401(k) works, how an IRA works, and pre-retirement planning checklist cover the savings and retirement structures that disability insurance protects. For self-employed professionals evaluating long-term care risk alongside disability risk, our resource on understanding hybrid long-term care insurance covers coverage products that address both disability income and long-term care in a single structure — a planning option worth evaluating for self-employed professionals approaching their 50s. Our resource on life insurance with pre-existing conditions covers the related challenge that health history creates for life insurance applications, where the same principle of applying while healthy applies equally to disability insurance. And for self-employed professionals who already have a policy and want to verify it still fits their current income and situation, our resource on getting a second opinion on your disability insurance quote covers the review process.
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FAQs: Disability Insurance for the Self-Employed
Can self-employed individuals get disability insurance, and is the process different?
Yes — individual disability income (DI) policies are fully available to self-employed individuals, independent contractors, freelancers, consultants, and small business owners. The underwriting process requires more documentation than for a W-2 employee: typically two to three years of federal tax returns, and sometimes profit and loss statements or business bank statements to verify net earned income. The approved benefit amount is based on net income after business deductions, not gross revenue. Despite the additional documentation, the quality of individual DI policies available to self-employed applicants — particularly own-occupation definitions, residual benefit provisions, and customizable riders — often exceeds what employer group plans provide. Applying while healthy produces the most favorable terms; waiting until after a health event reduces options and increases cost.
Why can’t I just rely on Social Security disability if I become disabled?
Social Security Disability Insurance (SSDI) is inadequate as a primary income replacement plan for most self-employed professionals for several reasons. The initial application denial rate exceeds 68% — most applicants are denied and must appeal, a process that can take years. The SSDI definition of disability requires inability to engage in any substantial gainful activity due to a medical condition, which is a much stricter standard than most private DI policies’ own-occupation definitions. Even when approved, the average SSDI monthly benefit is approximately $1,582 — far below most self-employed professionals’ actual income needs. For self-employed individuals who have legally minimized taxable net income through business deductions, SSDI benefits may be even lower because they are calculated based on reported net earnings. Private individual DI insurance is the only mechanism that reliably delivers meaningful income replacement with reasonable certainty of payment during an extended disability.
What is the difference between own-occupation and any-occupation disability definitions?
An own-occupation definition pays benefits if you cannot perform the material and substantial duties of your own specific occupation — even if you are capable of working in a completely different role. A physician with a hand condition that prevents surgery can collect own-occupation benefits while doing administrative or consulting work. An attorney with a voice disorder can collect while doing transactional desk work. An any-occupation definition only pays benefits if you cannot perform any work at all — a standard so restrictive that most real-world disability scenarios don’t qualify. The premium difference between these two definitions is approximately 10–20%, but the difference in claims outcomes is enormous. For self-employed professionals — particularly specialists — own-occupation is non-negotiable. Do not trade it for a 10–20% premium savings that eliminates benefit eligibility for the most likely disability scenarios you face.
How much does disability insurance cost for a self-employed professional?
Individual DI premiums for self-employed applicants typically run approximately 1–4% of annual net income, depending on age, occupation class, benefit amount, elimination period, benefit period length, and riders selected. As a directional reference: at $50,000 in annual income, roughly $500–$1,500 per year; at $100,000, roughly $1,000–$3,000 per year; at $200,000, roughly $2,000–$6,000 per year. These are approximations — actual premiums vary materially by carrier and individual profile. Longer elimination periods (90 or 180 days vs. 30 or 60) meaningfully reduce premium without reducing definition quality. Age at application is the most important cost factor: applying at 35 vs. 45 locks in substantially lower premiums that remain level as long as the policy is maintained. Multi-carrier comparison through an independent specialist typically reveals meaningful pricing differences for equivalent coverage across the major carriers.
What is residual disability and why is it especially important for self-employed business owners?
A residual (or partial) disability provision pays a proportional monthly benefit when a disability reduces but does not eliminate your ability to work — producing a partial income loss rather than total income loss. This is the most common real-world disability scenario for business owners: a gradual return to work at reduced capacity (50%, then 75%, then 100%) over weeks or months, producing proportionally lower income during recovery. Without residual provisions, a policy pays zero during this period because the insured is technically working. With residual benefits, a proportional benefit is paid based on the percentage of income loss compared to pre-disability earnings. For self-employed professionals — whose recovery rarely involves an immediate return to full productivity — a policy without strong residual provisions may fail to pay benefits during the most economically damaging phase of the most common disability experience.
Which carriers are best for disability insurance for self-employed professionals?
The leading carriers for individual DI coverage for self-employed applicants each have different strengths. Guardian is widely considered the strongest for own-occupation contract language and claims definition clarity — the first choice for physicians, attorneys, dentists, and other specialists who prioritize definition quality. Principal offers strong value and slightly more lenient underwriting — well-suited for applicants with minor health conditions and a wide range of occupation classes. Ameritas is often the most competitively priced for true own-occupation coverage — particularly attractive for younger self-employed professionals seeking premium definitions at lower cost. The Standard offers exceptional rider flexibility through its Platinum Advantage DI product — best when a specific customized benefit design is needed. MassMutual brings exceptional financial strength alongside a strong own-occupation product for professionals who want top-tier carrier stability. The right carrier depends on your specific occupation class, income documentation, health history, and benefit design priorities — which is exactly why multi-carrier comparison through an independent disability insurance specialist consistently produces better outcomes than any single-carrier approach.
What is Business Overhead Expense (BOE) insurance and do I need it alongside personal DI?
BOE insurance is a separate policy that reimburses fixed business expenses — rent, non-owner employee salaries, utilities, equipment leases, business loan payments, and similar ongoing costs — if disability prevents you from working. Your personal DI insurance replaces your income; BOE keeps the business operational while you recover. BOE benefits typically last 12–24 months. BOE premiums are generally tax-deductible as a business expense (unlike personal DI premiums, which are typically not deductible). However, the benefits received under a BOE policy are taxable, while personal DI benefits paid from after-tax premiums are received tax-free. BOE is most important for business owners with physical premises, employees, and significant fixed overhead that cannot be paused during an owner’s absence. A solo home-based consultant with no employees and no commercial lease may not need BOE — the premium is better directed toward maximizing the personal DI benefit amount.
When is the best time for a self-employed professional to apply, and what happens if I wait?
The best time to apply is as early as possible while in good health. DI premiums are age-rated — locking in at 35 versus 45 produces substantially lower lifetime premiums. Applying while healthy allows access to the strongest definitions and the fewest exclusion riders, and makes a Future Increase Option (FIO) rider available — which allows purchasing more coverage as income grows without new medical underwriting. Waiting until after a health event — even a relatively minor diagnosis — can result in condition-specific exclusion riders, higher premium ratings, or outright decline for the affected condition. Waiting until business income is “more established” delays the income protection during exactly the years when a disability could be most financially devastating to a growing business with rising obligations and limited reserves. The most common regret among self-employed professionals who eventually purchase DI is that they waited too long — and either paid more than necessary or accepted more restrictive terms due to health changes that occurred in the interim.
About the Author:
Jason Stolz, CLTC, CRPC, DIA, CAA and Chief Underwriter at Diversified Insurance Brokers (NPN 20471358), is a senior insurance and retirement professional with more than 25 years of real-world experience helping individuals, families, and business owners protect their income, assets, and long-term financial stability. As a long-time partner of the nationally licensed independent agency Diversified Insurance Brokers, Jason provides trusted guidance across multiple specialties—including fixed and indexed annuities, long-term care planning, personal and business disability insurance, life insurance solutions, Group Health, Travel Medical and Evacuation Insurance, and short-term health coverage. Diversified Insurance Brokers maintains active contracts with over 100 highly rated insurance carriers, ensuring clients have access to a broad and competitive marketplace.
His practical, education-first approach has earned recognition in publications such as VoyageATL, and contributions from his agency featured in Kiplinger and GoBankingRates— highlighting his commitment to financial clarity and client-focused planning. Drawing on deep product knowledge and years of hands-on field experience, Jason helps clients evaluate carriers, compare strategies, and build retirement and protection plans that are both secure and cost-efficient. Visitors who want to explore current annuity rates and compare options across multiple insurers can also use this annuity quote and comparison tool.
Explore More Disability Insurance Options: Browse our complete guide to Disability Insurance for the Self-Employed & Business Owners — covering independent contractors, business overhead, guaranteed issue group, 1099 workers & entrepreneurs from 100+ carriers.
Last Reviewed: June 19, 2026 |
Reviewed by: Jason Stolz, CLTC, CRPC, DIA, CAA
Chief Underwriter, Diversified Insurance Brokers, Inc. | NPN: 20471358 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Fact Checked by: Tonia Pettitt, CMIP©
Medicare Specialist, Diversified Insurance Brokers, Inc. | NPN: 14374308 | Diversified Insurance Brokers, Inc. — Licensed in all 50 states
Editorial Standards: Diversified Insurance Brokers maintains rigorous editorial standards to ensure accuracy, clarity, and independence in all content. Learn more about our editorial standards and commitment to transparency.
