Disability Insurance Cost Calculator
Estimate your disability insurance premium from age, sex, benefit, waiting period, and term.
Your income and benefit numbers stay on this page — never sharedTry: Age=35, Gender=f, Monthly benefit=3000, Waiting period (days)=90, Benefit years=20 → $89, $3,000, 35F / 90d / 20y, Estimate only — real rate from insurer
How to use
Premiums rise with age and a shorter waiting period, and fall with a longer benefit term. This is an estimate using standard factor tables — your real rate comes from the insurer.
FAQ
Why does age matter so much?
Risk of a claim climbs steeply after 50, so premiums do too; locking in young is cheaper.
Is this a quote?
No. It is a planning estimate from published factor ranges, not a bound offer.