Disability insurance by obtaining a loan by Mortgaging a House
They're free, so use them. As for his plan to have a friend cosign for a loan .... not a fan of that decision, but why do you want coverage has nothing to do with your question anyway. Perhaps you simply want your spouse to continue living there.
Finally .... Disability insurance companies do not work in either reported income. You'll need to pony up their tax return, so if you write everything to zero, then do not qualify for disability. It will also affect how much life insurance you can get.
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