To make sure that they are not discriminated against in all aspects of life due to gender, age, race, disability .
A bone spur in your foot alone may not be considered a disability unless it significantly impairs your ability to perform major life activities like walking or standing. To be classified as a disability, the condition must substantially limit one or more major life activities. It is best to consult with a medical professional or disability specialist for a proper evaluation.
Yes. It depends on the insurer and how the patients quality of life is affected. Not all colostomy's are well managed and can be troublesome for many patients.
A life estate does not have an affect on someone's disability. It may certainly affect their ability to collect disability payments.
What you may be referring to is a disability waiver of premium. This is a provision that is generally available, for an additional premium, that waives the payment of premiums upon the disability of the person who is responsible for the payment of premiums. The disability waiver is, as stated, an option that is usually selected at the inception of the policy. In direct answer to your question, not all policies have them.
It depends what kind of disability
Disability isn't usually "rolled into" a life insurance policy, but you can buy both life and disability coverage from MetLife or Guardian Life, for example.
An insurance agent. Normally an agent who specializes in business life and disability insurance would handle such matters as they are generally more complicated than normal everyday life, health and disability matters. Some policies have tax advantages and need to be set up in particular ways so you need someone who has had traning in these matters.
Disability has nothing to do with your life insurance. These are two different things.
1-2 children will be affected causing long life disability.
An acquired disability is not one you were born with. It occurred later in life.
If I'm not mistaken, life insurance is paid out on death. It may have a clause that pays the premiums on it in event of disability, but that, like a policy that pays you on disability, is basically under a disability insurance benefit, not life insurance policy.