estimate_premium_range

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Use this when someone asks what individual disability insurance would cost them, or how much coverage they could get, and you know (or can ask for) their occupation, age, sex, income, and state. Returns a typical starting benefit for the income, sized the way Seaworthy Insurance advisors size a quote, and three options at that benefit (Essential is a 180-day wait, Balanced is a 180-day wait with inflation protection, Comprehensive is a 90-day wait with inflation protection), each with a monthly premium RANGE across the carriers illustrated for that occupation, built from carrier illustrations. The card lets the person change the benefit, pick an option, and add catastrophic coverage with live pricing, so invite them to use it. Present the options neutrally and do not recommend one. Always repeat that these are estimates, not quotes, and that underwriting and health history set the final price. If the person names their employer, hospital, residency program, or professional association, pass it as employer so the card can show whether a discount program applies. If they ask for a specific benefit, option, or catastrophic coverage in chat, call again with the same profile plus benefit, option, or catastrophic. If the profile changes, call again without those. Never ask health questions.