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View Poll Results: Do you have long term disability insurance
Yes 38 48.72%
No 40 51.28%
No idea what it is or why I would need it 0 0%
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Old 06-07-2011, 02:57 PM   #41
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14 weeks full pay, 14 weeks half pay for STD.
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Old 06-07-2011, 03:04 PM   #42
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14 weeks full pay, 14 weeks half pay for STD.
Just curious - do you get more or less time if the disease wasn't sexually transmitted?
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Old 06-07-2011, 03:08 PM   #43
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Just curious - do you get more or less time if the disease wasn't sexually transmitted?
most definitely less.
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Old 06-13-2011, 03:33 PM   #44
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questions about guardian life insurance:

-each sales person I talk to tries to steer me away from guardian...why is that? I assume guardian's commission is less than others. guardian is definitely more expensive, less than TIAA-Cref though...

-a sales person told me going with a mutual company only makes sense if you want to convert to some kind of "permanent" insurance. it seems to me, 30 year term or permanent, the company still needs to be there to pay a benefit (hopefully it doesn't come to that). can someone help me make sense of this?

any help is appreciated...
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Old 06-13-2011, 03:41 PM   #45
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Originally Posted by ronocnikral View Post
questions about guardian life insurance:

-each sales person I talk to tries to steer me away from guardian...why is that? I assume guardian's commission is less than others. guardian is definitely more expensive, less than TIAA-Cref though...

-a sales person told me going with a mutual company only makes sense if you want to convert to some kind of "permanent" insurance. it seems to me, 30 year term or permanent, the company still needs to be there to pay a benefit (hopefully it doesn't come to that). can someone help me make sense of this?

any help is appreciated...
Each person you talk to probably isn't licensed with Guardian. They are a good company, though their rates can be higher than other companies. If you are shopping on price, Guardian usually won't be at the top of the list. If you are shopping on financial ratings and the ability to convert to whole life with a mutual company (whether you plan to or not, never know what can happen to you), they are a good choice. I'd suggest including the conversion extension rider if you go with Guardian, otherwise your conversion period is only 5 years.
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Old 06-13-2011, 03:48 PM   #46
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thanks...just couldn't figure out while everyone is steering me away from them (for LI)...
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