A common question we’re asked is, “Once my specialty disability policy is issued, can the insurance company ever cancel my policy or raise my rates?” With the top-tier disability insurance companies we broker, policies cannot be cancelled and premiums cannot be increased by the company. This is commonly referred to as a non-cancelable policy and is typically the most desirable long-term approach. Another type of policy is called guaranteed renewable, which means the insurance company cannot cancel the policy, however they do have the right to raise the premium for an entire occupation…