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This is a slam dunk. Anybody making serious money needs very well written Disability Insurance. Most employer provided disability insurance is simply inadequate.
Specifically to Nathan's point, the policy must cover the actual current earnings of the policyholder performing their current duties. Are the premiums expensive? You betcha buddy .... but think of the alternative if a high net worth wage earner were to become incapable of earning their current wage.
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Last edited by Shadetree930; 10-20-2011 at 06:53 AM..
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