Story at-a-glance
- Yes, you can switch disability insurance policies later—but it’s not always easy.
- Switching requires full medical underwriting, which means a health review.
- If your health has changed, you may be declined or limited.
- Because you’ll be older, your new policy will likely cost more.
- Locking in a strong policy early helps avoid future hassle and higher premiums.
Thinking About Switching Later?
Many physicians and dentists wonder: “Can I just get a better policy later?”
The answer is yes, you can switch. But there are a few important things to understand before you delay or cancel your current coverage.
Switching Means Starting Over
If you apply for a new disability insurance policy later, you’re starting from scratch.
That means:
- New medical underwriting
- New financial documentation
- New pricing based on your older age
- Potential exclusions or limitations based on any new health issues
Unlike some types of insurance, disability insurance doesn’t let you “transfer” or “upgrade” a policy. It’s a new application every time.
Age = Higher Premiums
Your premium is tied closely to your age.
So even if your health stays perfect, your rates will be higher than they would’ve been a few years earlier.
For example:
A healthy 30-year-old might pay $150/month for a strong policy.
That same person at 35 may pay $200/month—or more.
Health Changes Can Block You
Let’s say you develop migraines, anxiety, back pain, or high blood pressure. These are common and seem minor—but they can cause real problems when you reapply for disability insurance.
Insurers might:
- Charge you more
- Exclude certain body parts or conditions
- Or decline your application altogether
That’s why switching later can be risky.
When Switching Might Make Sense
In some cases, switching is smart—like if you have a basic group plan or association policy and want stronger individual coverage.
You can also “ladder up” by adding new coverage to increase your benefit, especially if your income has grown. Just be careful not to cancel your current policy until the new one is approved.
A Better Strategy: Start Strong, Add as You Grow
Here’s a smarter approach:
- Start with an individual policy now, while you’re young and healthy
- Choose a carrier that offers future purchase options
- As your income grows, increase your benefit without reapplying
That way, you protect yourself now and build more protection over time—without redoing medical underwriting.
Final Thought
Yes, you can switch disability insurance policies later—but it’s usually more expensive and may come with restrictions. Locking in a solid plan now helps you avoid future surprises and gives you peace of mind no matter where your career takes you.
Want help reviewing your current coverage or exploring better options? Click the button below to request a free quote.
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