i'm 36, in good health, married with one child so far and i teach high school science in a small, white, rural rhode island town. i got in touch with guardian life insurance about a disability quote and they told me that due to the duties of my job they didn't have a policy for me. i had to laugh....it's not like i'm a professional stunt man or pilot. unless they think little johnny is going to come in my room and shoot the place up it's just crazy... well anyway they referred me to another company that wants 1500 dollars a years for a good disability policy...that's nuts...am i that much of a risk?