Our Primary Purpose We have been specializing in educating consumers on the need for disability insurance for over 20 years. We've worked with all types of occupations and have designed this site to give some practical information About Disability Insurance. This is not a site to buy a disability insurance policy, but instead to get good advice on what to buy when you're ready. Steven Crawford - Disability Insurance Agent This web site is strictly one person's educated opinion. While I am a licensed insurance agent in most of the continental states, the intent of this web site is not to sell you anything. There are currently a small handful of disability insurance sites on the internet, and most of them are actually lead-generating services for insurance agents. I try to guide you to quality disability insurance web sites that I know are real businesses. By giving the consumer the power to understand a disability insurance contract, I feel the consumer will make a more informed decision when it comes time to buy. My personal belief is that one cannot go wrong when they buy a Non-Cancellable, own-occupation disability insurance policy. Today you will find that most carriers have moved away from this type of policy, but there are still some carriers who offer it. One of the best being Berkshire. I do sell Guardian disability insurance if you are interested in working directly with me. Please do not consider this to be your only source of information for disability insurance, always read a specimen disability insurance policy before you apply to any company. Your answer to any question is found in the specimen policy, not in the words of the agent trying to sell you the policy. Products change all the time, I will do my best to keep up to date on changes in the industry here, but always make sure to read a specimen disability insurance policy before you buy anything.I am a licensed life and health insurance agent in every state of the US. I take no responsibility for information which I link to in this web site as information displayed on other people's web site is beyond my control. The information on this web site is based upon several years of experience in the disability insurance industry, and is strictly my educated opinion.Licensing Information: Several states require that licensed insurance agents display their license numbers on web-based material. I am licensed in the following states that require this information.California: 0D07207 , Florida: D058455 , Minnesota: 20275011 , Utah: 144577 Registered Representative of Park Avenue Securities and General Agent of Guardian.