At Diversified Insurance Brokers, we know a lot of people want to protect their income without having to schedule phone calls, sit through long sales pitches, or meet with an agent. If that’s you, this page is for you. Our secure Quote & Apply portal lets you compare plans, see prices, and complete your disability insurance application 100% online. No pressure, no sales scripts—just clear options and straightforward protection for your paycheck.

Disability insurance (sometimes called income protection) replaces a portion of your income if an illness or injury keeps you from working. It’s the safety net that pays your bills when your paycheck stops. Whether you’re a W-2 employee, self-employed, or a business owner, an online disability policy can be the difference between staying on track and draining your savings.

Why Buy Disability Insurance Online?

Online disability insurance is ideal if you want control, privacy, and transparency. Instead of waiting for an agent to “run numbers,” you can instantly see pricing and benefit options for your age, income, and occupation. You decide how much income to protect and how long benefits should last.

• Fast quotes: See real numbers in minutes, not days.
• Private: Review coverage options on your own time, at your own pace.
• No-pressure experience: You’re in control of when—and if—you want to talk to us.
• Clear trade-offs: Adjust benefit amount, benefit period, and waiting period to fit your budget.
• Portable coverage: Your policy stays with you even if you change jobs or careers.

If you work in a higher-risk occupation, such as law enforcement or public safety, protecting your income can be even more important. You can explore our focused pages like disability income insurance for law enforcement or disability insurance for firefighters for deeper guidance tailored to those fields.

How Disability Insurance Works (In Plain English)

Disability insurance is designed to replace part of your income if a covered sickness or injury keeps you from working. When you qualify under the policy’s definition of disability, you receive monthly benefit payments you can use however you need:

• Mortgage or rent payments
• Utilities, groceries, and everyday living expenses
• Car loans and insurance premiums
• Childcare, tuition, or family support
• Health insurance premiums and out-of-pocket costs

Most people choose a benefit amount that replaces roughly 50–60% of their income—enough to cover the essentials so they don’t have to drain savings or retirement accounts. For long-term planning, pairing disability coverage with strategies that protect your funds in retirement can create a more complete safety net.

Key Terms to Understand Before You Click “Apply”

As you go through the online application, you’ll see a few important terms. Here’s what they mean:

• Monthly Benefit: The amount you’ll receive each month while disabled.
• Elimination Period: The waiting period before benefits begin (for example, 60 or 90 days).
• Benefit Period: How long benefits can be paid (1 year, 5 years, or to age 65, depending on options).
• Own-Occupation Definition: You’re considered disabled if you can’t perform the substantial duties of your own job.
• Non-Cancellable / Guaranteed Renewable: Your policy can’t be canceled by the company as long as you pay premiums.

If you’re not sure which combination makes sense, you can always complete your quote online and then ask us to review it with you—no obligation and no extra cost.

Basic Steps to Buy Disability Insurance Online

1. Get your quote. Click the Quote & Apply Online button and answer a few simple questions about your age, income, and occupation.
2. Customize your coverage. Adjust benefit amount, elimination period, and benefit period to balance premium and protection.
3. Complete the application. Fill in health, lifestyle, and financial questions in the secure online portal.
4. Underwriting review. The insurance company reviews your application and may request medical records or a brief exam, depending on your age and benefit level.
5. Accept your policy. Once approved, you review the offer, accept coverage, and set up your payments.

Throughout the process, you can remain fully self-directed—or you can reach out at any point if you want an advisor to double-check your choices, especially if you have health issues, multiple income sources, or need coverage coordinated with employer benefits.

Who Is a Good Fit for Online Disability Insurance?

An online application is a great fit if you:

• Prefer to compare prices and options privately
• Are comfortable completing forms online and using e-signatures
• Have a fairly stable medical history and know your basic health details
• Are self-employed, a contractor, or have limited employer disability coverage
• Want coverage that follows you, not your job

If your situation is more complex—such as multiple prior disabilities, ongoing claims, or highly specialized income structures—we can help you decide whether the fully online path or a more customized approach is better. For many professionals and small business owners, we also consider how private coverage aligns with strategies like key person disability insurance.

What If You Already Have Some Coverage Through Work?

Group disability plans are helpful, but they often have limitations:

• Benefits may be capped at a relatively low dollar amount
• Coverage usually ends if you change employers
• Benefits might be taxable if premiums are employer-paid

Buying your own disability insurance online lets you fill the gaps. You can layer individual coverage on top of employer benefits to get closer to the income replacement level you really need. It also gives you portability and more control over definitions and options.

How Diversified Insurance Brokers Fits In

Even though you can complete the entire process on your own, you’re never on your own. At Diversified Insurance Brokers, we:

• Provide a secure, self-service Quote & Apply Online portal
• Help you understand options like benefit periods, riders, and elimination periods
• Review applications when requested to help avoid avoidable declines or surprises
• Coordinate disability coverage with other planning tools like long-term care insurance with return of premium or fixed indexed annuities

You can start online right now using the button below. If at any point you want a second opinion or a clear recommendation, just reach out—there’s never a fee to talk with us.