Guardian Disability Insurance Questions
1) International Payments: Is the 12-month max period standard or is there anyway that this could be waived or increased by some sort of extra rider (I have strong ties to another country and if I was to become disabled it is possible that I would end up not staying in the US)?
2) Does the Guardian quote you sent me include the 10% resident discount?
3) How much does the catastrophic disability rider generally cost?
Based on what I’m seeing, I’m leaning towards going with the Guardian plan and buying the cheapest 30-year level term life insurance we can find.