How We Compare
A useful comparison starts with the same coverage goal and examines the actual policy language. A lower premium alone does not show which tradeoffs are appropriate for you.
By Navid Lalezari · Author
Reviewed by Navid Lalezari
Last reviewed
In this guide
Use consistent inputs
Put coverage amount, duration, riders, occupation, state, and relevant assumptions alongside each proposal. Highlight differences rather than presenting unlike options as equivalent.
Show the limitations
Ask for exclusions, conditions, guarantees, and what can change. Request a written explanation of both advantages and drawbacks. Do not treat an illustration as a guaranteed outcome.
Identify the comparison’s scope
Before making a recommendation, the advisor should identify which insurers and products were considered and any limits on access. Ask Drs Choices directly which insurers it can place business with, and how it is paid for a given policy, before you act on a proposal. Drs Choices does not claim to compare every insurer or product available in your state.
Questions to ask about any comparison
Ask these of any comparison you are shown, including the ones on this site.
- Which insurers and products were considered for this proposal, and which were not?
- What inputs produced each figure I have been shown?
- What limitations, exclusions or waiting periods apply to each option?
- How is the person advising me paid for this recommendation?
- What would I need to read in the contract itself before deciding?
- What would change this comparison if one of my assumptions turned out to be wrong?
These are questions to ask, not answers. What a policy covers is decided by the contract you are issued and your own circumstances.
Where to go from here
These next steps are educational and have no cost or obligation. They do not start an insurance application or begin coverage.
- Request a conversation
Tell Drs Choices what you are weighing and request a conversation about your situation.
- Explore My Insurance Options
See the disability, life, health and employer-group paths side by side before you decide which one to start.
- Start Your Plan
Build a discussion brief from your own numbers. No account or email is required.