It turns out you can teach an old dog new tricks. Like most of you, I was trained to include the non-cancelable feature in every individual disability insurance (IDI) policy that I sold. In fact, back when I was 24 years old, I purchased an IDI policy for myself. At that time, I had to choose between a policy that was non-cancelable and guaranteed renewable and a policy that was simply guaranteed renewable. Of course I chose the non-cancelable policy, even though I had to pay more.