Dennis Hornsby, licensed insurance agent, joins me to discuss the critical role of disability insurance in protecting your income and lifestyle. He shares his expertise on the advantages of purchasing coverage early to secure lower rates and the ethics of choosing the right broker. If you're a high-income professional or have student debt, you won't want to miss this.
In today's episode:
05:19 Employer-provided group policy vs. one you purchase yourself
12:46 Residency and fellowship disability insurance discounts
19:24 An honest agent will sacrifice commissions to help you save on policy costs
24:36 Every year you wait to buy a policy, your rates can go up $10 to $20 per month
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