1. Owner, Best Online Insurance Rates, US
    Long term disability insurance should be purchased when you are concerned about becoming disabled and losing an income stream. This often occurs at the time you accept your first job and build a bit of stability in the workforce.

    Of course, you will have to be able to afford premiums which is where a full-time licensed financial planner or broker can help.

    By utilizing their advice, you can view affordable options that will fit within your budget.
    Answered on May 29, 2013

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