Re: Replace Lost Income
The two companies I would consider are Unum and Illinois Mutual. Unum seems to favor the white collar occupations while Illinois Mutual works well in the blue collar niche.
However disability carriers will not offer you coverage if you have been self employed for less than two years.
Start with the agent that writes your other insurance. They can advise you ways keep the cost down with the use of longer elimination periods and shorter benefit periods. You need to sit down with an agent that can tailor a plan that fits your needs and at the same time is affordable.
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