Get Your Disability Insurance


The Online, Same-Day Coverage Process

  • STEP 1

    Get a Quote

    Answer a few simple questions. You’ll instantly see 3 coverage and rate options.

  • STEP 2

    Choose Policy & Apply

    Answer questions to facilitate the underwriting process. Plan to spend
    10-15 minutes.

  • STEP 3

    Approval & Payment

    Instantly find out if your policy is approved. Upon approval, you will be asked to provide payment information.

  • Peace of Mind

    You're Covered

    You will instantly receive a PDF of your insurance policy confirming coverage.

How Your Disability Insurance Policy Works

90 days

A Practical Waiting Period

On the date you're unable to work due to illness or injury, your 90-day waiting period begins. When the waiting period is exhausted, benefits commence.


Tax-Free Benefits

Your policy pays TAX-FREE* disability insurance benefits directly to you. Your benefit is roughly 80% of your take home pay.

Benefit period

Flexible Benefit Periods

Your benefits continue until you recover or until your benefit period is exhausted. Choose from 3 benefit periods.

All policies are underwritten by National Guardian Life Insurance Company and marketed by DIonDEMAND.

National Guardian Logo

Insurance provided by National Guardian Life Insurance Company. National Guardian Life Insurance Company is not affiliated with The Guardian Life Insurance Company of America a.k.a. The Guardian or Guardian Life. Policy form ICC15-NIDI 0715.

Still Not Sure?
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Online Quiz

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