1. 11773 POINTS
    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    How to evaluate a long term disability plan? It all comes down to the definition of what disability is. The best policies use the fewest words to define what disability is. The more words beyond that one sentence are really exceptions to the first sentence. The definition should be short and to the point. That is where you start and actually finish your evaluation. Why? because the rest of the information doesn't matter if you don't qualify or if your qualification ends after a couple years.
    Answered on August 28, 2014
  2. 63333 POINTS
    Peggy Mace, Certified Senior Advisor (CSA)®PRO
    CEO, Outlook Life, Inc, Most of the U.S.
    To evaluate long term disability insurance, you will want to look at several factors. 1. The reputation of the company offering it. 2. Whether or not you qualify for it. 3. The features, so that you get all the bells and whistles you need, and do not overpay for those you do not need. 4 The price.

    All of these are very important when applying for long term disability insurance. Please do not hesitate to contact me if you have additional questions or would like me to shop multiple companies to find your best price and features.
    Answered on June 21, 2017
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