But the premiums are tied to the size of the loss, which is what the payout is supposed to cover. The loss you're supposed to be covering is your lost income a

But the premiums are tied to the size of the loss, which is what the payout is supposed to cover. The loss you're supposed to be covering is your lost income and other less tangible but quantifiable benefits to your family. Although I'm no expert, I'm guessing underwriting becomes more difficult for policies that are completely out-of-line with your income. There has to be some justification for the payout to meet underwriting standards, which in essence is considering the size of the loss. If you're asking for a policy that is very unusual, it will be much more expensive, if you can get one at all.