Absolutely. Disability can happen at any age due to injury, illness, or unforeseen events. Disability insurance protects your income and your independence when you’re unable to work. Think of it as a financial safety net, especially if you're a high-income earner or self-employed.

Yes, but that doesn’t mean you're uninsurable. At D.R. Wolf Agency, we work with carriers who understand real-life situations and offer competitive rates for tobacco users. We’ll help you find a policy that works for your lifestyle and budget.

That depends on several factors including your income, debt, dependents, and future goals. We walk you through a step-by-step needs assessment to calculate the right level of protection for you and your family.

Yes. While every situation is different, many insurance providers offer policies with reasonable terms for people with medical histories. We’ll help you find the most understanding and flexible carriers.

As an independent agency, D.R. Wolf Agency shops the market on your behalf. We’re not locked into one carrier, so we compare quotes from multiple providers to ensure you’re getting the best value, not just the cheapest rate.