# Should I price shop disability insurance? **Jay Weinberg, CLU, ChFC** Physician disability insurance specialist · PGY1 Financial Solutions · Updated October 30, 2026 Short answer No. The stronger policies are naturally going to cost a bit more than the scaled-back ones. When properly structured policies are all priced pretty close, a major standout on the low end usually means something isn't right with that policy. [Jay Weinberg answers: Should I price shop disability insurance? (video)](https://www.pgy1.com/assets/video/price-shopping-disability-insurance.mp4) A short clip from his webinar for residents and fellows, with captions. [Watch the full webinar from 1:00:40](https://www.youtube.com/watch?v=aPpAWC_QIBs&t=3640s) ## Why the cheaper policy is often cheaper You don't want to price shop disability insurance. Unfortunately, a lot of agents peel off really important features from policies to give you the impression that they have better prices, or that you can get it for quote unquote cheaper. It's not a good policy if they're sacrificing the integrity of the policy by removing certain features or peeling back certain options. ## Too good to be true If the cost seems too good to be true, it likely is. I'm not going to say every policy is priced exactly the same, but they're all pretty close when they're structured properly. So if there's a major standout on the lower end of the pricing range, chances are something isn't right about that policy. ## Compare the wording, not the one-page grid It takes an insurance company 60 or 80 pages to legally and properly present a policy. It's impossible to accurately compare five different policies from five different companies on a one-page grid. What matters is the wording: the definition of disability and features like the future increase option. ## Where Jay covers this Jump to each moment in his webinars. - [Contract Do's and Don'ts and Disability Insurance (Mar 2026)](https://www.youtube.com/watch?v=aPpAWC_QIBs&t=3640s) - [Masterclass – GSI Disability Insurance (Mar 2026)](https://www.youtube.com/watch?v=jbIEKrrgKos&t=852s) - [Masterclass – GSI Disability Insurance (Mar 2026)](https://www.youtube.com/watch?v=jbIEKrrgKos&t=736s) Does your hospital have a GSI policy? [Look up your hospital](https://www.pgy1.com/gsi/) on Jay's list of teaching hospitals with a GSI, or email [jay@pgy1.com](mailto:jay@pgy1.com) with where you're training. [Start the questionnaire](https://www.pgy1.com/#questionnaire-embed) --- PGY1 Financial Solutions Corp · Jay Weinberg, CLU, ChFC · independent disability insurance broker for residents, fellows and physicians · (609) 432-8862 · jay@pgy1.com Start here: [2-minute questionnaire](https://www.pgy1.com/) · [Does your hospital have a GSI policy?](https://www.pgy1.com/gsi/) · [All questions](https://www.pgy1.com/questions/) General information from Jay's webinars, not advice for your situation. Policy details vary by hospital, state and insurance company.