Disability income insurance is different from all other types of insurance. The cost of your car insurance is based on how many years you’ve been driving (your age), the value of your car, your driving history and a few other factors. The cost for disability income insurance is based on similar components such as age and your medical history – however, unique factors affecting the cost of disability insurance are related to the policy features chosen by the insured. The decisions your client makes about policy design also impact the price.