About disability.insure
An independent knowledge portal on disability insurance for high-income professionals and business owners, published by Kandelaki Solutions LLC, a licensed insurance agency.
Independent
No captive contract with any carrier. Comparisons show every appointed carrier that writes your occupation in your state, with the same table for each.
Evidence first
Contract specimens over brochures. Primary statistics over secondary summaries. Every figure carries its source line.
No pressure
No pop-ups, timers, or chat bubbles. Tools and answers come before any form. You decide when, or whether, to talk to anyone.
Accessible by design
WCAG 2.2 AA or better: 18px body text, visible focus states, large tap targets. A disability site has no excuse for less.
How we are paid
Everything on this site is free to read and use. If you buy a policy through the agency, the issuing carrier pays a commission built into the premium. The premium is set by the carrier and is the same whether you buy through us, another agent, or directly.
We hold no captive contract with any carrier and receive no bonus for placing business with one over another. Comparison tables show every carrier we are appointed with that offers coverage for your occupation and state.
We do not sell investment products, and we do not accept payment for placement or ranking in any article or table.
Typical compensation
- First-year commission
- 40% to 55% of annual premium
- Renewal commission
- 2% to 10% per year
- Fees charged to you
- None
- Effect on your premium
- None
Ranges are placeholders for the published disclosure. Exact figures vary by carrier and state.
Editorial standards
Licensed reviewers
Every page is written or reviewed by a licensed advisor holding at least one of CLU®, ChFC®, CFEI®, CPFA®.
Dated reviews
Pages show the last review date and are re-checked against current carrier specimens at least twice a year.
Primary sources only
SSA, BLS, CDA, and carrier documents. No statistics from other insurance sites.
No carrier names on public comparisons
Contract wording is compared with carrier names withheld, so no article reads as a sales recommendation.
Corrections logged
Corrections are noted at the bottom of the affected page with the date and what changed.
Licensing
- Agency
- Kandelaki Solutions LLC
- National Producer Number
- 21168853
- State licenses
- Current state licenses are listed on the Licenses page
- Reviewer credentials
- CLU®, ChFC®, CFEI®, CPFA®
- Languages
- English, Russian, Georgian
Questions about the site, a correction, or a plan to add to the database?
Contact the editors