Disability is definitely the most expensive, but it shouldn’t cost you more than 1-3% of annual salary a year.First one was through employer. We use the wife's insurance as a teacher which is marginally better. Any plan outside of that is $1500+ per month. Second one was a standalone company (I've forgotten the name at this point. Anger occasionally makes me rage quit). It was going to be a little over $100/ month.
The older you are when you purchase it, the riskier your occupation, etc will drive prices up.
But a $1500/mo seems ridiculously high. Unless you’re making $50,000 a month.
A 24M that needs $5000 a month disability benefit would pay like a $1000 a year.
40M would pay $1500 a year.
I don’t sell these type of plans, but I can find you an agent that does, if you want to seriously look at these.