awesome website. I’m a mortgage broker from Vancouver who has been life licensed since 2000. It’s only in the last year that I’ve started to focus on disability insurance for my clients.
The two groups of people that I’m focusing on :
- Successful business owners
- High income employees
In 50% of the cases, I can get my client “own occupation” clauses, the rest “regular occupation”.
How often do you see cases come up based on private insurance.
From the forum it seems the real issues come up after 2 year when the definition of disability changes to “any occupation”.
Is it 10 to 1 or 20 to 1?
What problems come up with the most expensive private disability policies available?