This product was selected for occupational reasons, without consideration for personal factors. More options will be explored after full intake is complete, including:
other insurance companies
other Elimination Periods
other Benefit Periods, and
optional features
Each option, including this one used for this example, must be individually curated before any decision can be made about where to apply. That's because personal factors will further affect pricing and availability in a way that basic inputs cannot account for. These personal factors include:
How you work, including any specialized work you perform within your occupation and skill sets you depend on to perform at the top of your game (you'll be prompted about specific things to make this easy)
How established you are in your career
Career expectations, especially if a path to future upgrades is desirable
Earnings
Other existing disability coverage, if any
Lifestyle (e.g., travel habits, recreational activities)
Health
Where you are in this journey, including other inquiries, and
What underwriting requirements you prefer to avoid.
There are different ways to provide this personal information. You can call, answer questions online or send a note. You won't have to provide any information that you don't want to, and what you do share will stay just between us.
