| Individual Disability Insurance |
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| Advantages |
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- Provides personal coverage that you own.
- Good fit for people who are self employed.
- Benefits may be paid for many years.
- Can be purchased with guaranteed insurability and inflation options as your income grows in future years.
- Some policies offer level, guaranteed premiums to age 65.
- Insures your education, training and income.
- Best definition of your occupation
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| Disadvantages |
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- Has higher cost than group disability insurance.
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