The best way to purchase disability insurance is through an employer as a group purchase. I believe AFLAC has a program that will handle this without any expense for the employer. As a group, you get the benefit of the "average" health care underwriting of the entire group. This can go both for and against you depending on the overall health and age of the group. The more young healthy individuals in the group the better.

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H Richard
SWCA1967 SWHF244