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Okay, so for years, the bottom line on SDN was:
- Get disability insurance;
- Get a respectable amount of it (~$10k indemnity, plus or minus a few grand);
- Get it from one of only a few companies -- Guardian/Berkshire, Principal, Northwestern Mutual, so forth.
For a long time, and in many threads I've already read, there was a palpable bias against Northwestern Mutual and their "medical own occupation" and so forth.
I've seen the White Coat Investor's blog posts about this sort of thing from recent years (love your work, when you see this).
I have an active policy with Guardian/Berkshire. Not a huge policy. I'm in my first year out of residency.
Right now, in mid-2016, with changes that have happened over the last couple years since some of the better breakdowns were posted, is there any solid reason to GO with any given company, or to AVOID any given company -- including NWM?
- Get disability insurance;
- Get a respectable amount of it (~$10k indemnity, plus or minus a few grand);
- Get it from one of only a few companies -- Guardian/Berkshire, Principal, Northwestern Mutual, so forth.
For a long time, and in many threads I've already read, there was a palpable bias against Northwestern Mutual and their "medical own occupation" and so forth.
I've seen the White Coat Investor's blog posts about this sort of thing from recent years (love your work, when you see this).
I have an active policy with Guardian/Berkshire. Not a huge policy. I'm in my first year out of residency.
Right now, in mid-2016, with changes that have happened over the last couple years since some of the better breakdowns were posted, is there any solid reason to GO with any given company, or to AVOID any given company -- including NWM?