Quote-Bot
🧮 M.U.G. Strategy Calculator

How Much Disability Coverage
Do You Actually Need?

Enter your three essential monthly expenses and we'll show you exactly how much coverage to target — and what it might cost to protect it for 24 months if you meet the definition of disability.

M Mortgage / Rent
U Utilities
G Groceries
✦ Often < 1% of your income / year

Step 1 — Your Monthly M.U.G. Expenses

Pre-filled with 2026 national averages. Adjust to match your household.

🏠
Mortgage or Rent iThe national average monthly mortgage or rent payment is $2,025. Enter your actual payment to personalize your M.U.G. coverage target.
$ /month
$0$8,000
⚡
Utilities iIncludes electric, gas, water, and internet. The national average is $420/mo — adjust to reflect your actual monthly utility bills.
$ /month
$0$2,000
🛒
Groceries iHousehold food-at-home spending. The national average is $475/mo. Adjust for your household size and eating habits.
$ /month
$0$2,000

Step 2 — About You

Your age, occupation, and employment type are the three biggest premium factors for disability insurance.

Your Current Age iPremiums are locked at your age when you apply. Buying younger saves significantly over your career.
35 years old
Age 20Age 64
Annual Income iNational avg: $63,000/yr · Used to calculate your estimated premium as a percentage of income.
$ /year
$20,000$500,000
Occupation Type
▾
Engineers, managers, office professionals, educators, and salaried analysts. Own-occupation coverage typically available with favorable rates.
Some carriers will allow a 6A occupation class.
Employment Status iSelf-employed individuals typically carry a modest premium loading (≈ 20%) due to income verification complexity.
Gender iGender is an actuarial underwriting factor. Females statistically file more claims and may carry a modest premium loading.

Step 4 — Your Information

Complete all fields to unlock your personalized M.U.G. coverage estimate.

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Unlock Your Results
Complete Step 4 — Your Information to see your personalized M.U.G. coverage estimate.
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M.U.G. Strategy · 90-Day Elimination · 24-Month Benefit
Your Coverage Snapshot
Estimated Premium
Class 4A
~$64
per month — estimated
~$767
per year
0.9%
of estimated annual income
$2.10
estimated cost per day
Class 4A · White Collar Professional
Engineers, managers, educators & analysts. Own-occupation definition typically available.
Monthly Benefit if Disabled
$2,920
✓ $70,080 total · 24 months
M · U · G Breakdown
M
$2,025
U
$420
G
$475
Or call (888) 804-8590 to speak with an advisor
Illustrative estimates based on actuarial age-band tables and industry occupation class guidelines. 90-day elimination period, 24-month benefit period assumed. Actual premiums vary by carrier, health, state, and policy design. Not a binding quote.
The M.U.G. Method
Simple. Focused. Surprisingly Affordable.
01
Identify Your Non-Negotiables

The M.U.G. strategy focuses on just three expenses — Mortgage, Utilities, and Groceries. These are the bills that cannot be skipped without losing your home or going without food. Everything else can be reduced, deferred, or renegotiated in a crisis. These cannot.

02
Set a 24-Month Benefit Window

Most disability situations resolve — through recovery, adaptation, or qualification for longer-term programs like SSDI — within two years. A 24-month benefit period dramatically lowers your premium compared to lifetime or to-age-65 coverage, while still protecting your household through the most financially dangerous window.

03
Pay Less Than 1% of Your Income

Because the benefit amount is targeted and the benefit period is defined, M.U.G. policies typically cost well under 1% of annual income per year. For many households, that's less per day than a cup of coffee — for protection that could mean the difference between keeping or losing your home during the hardest months of your life.

Ready for Your Real Premium?

The numbers above are illustrative. A licensed advisor can run a real, carrier-specific quote for your exact situation in minutes — no obligation, no pressure.

📞 Call (888) 804-8590