This is single best financial optimization most geeks of my acquaintance have not done yet.https://twitter.com/dvassallo/status/1214701616579764224 …
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Well, b is that you or potentially someone else has plans that your insurer should not encourage. If you have specific cash needs which aren't naturally reflected in your future earnings, though, underwriters are very willing to accommodate those, particularly if documented.
n.b. Feel free to Dangerous Professional your way through "documented": "Here's proof of employment by a tech company." "And can I see the options paperwork." "That's private."
This was an issue with my disability insurance. I would have preferred a $15K/mo benefit, but since I already had a $20K/mo policy from my employer, they only allowed me to get $10K/mo.
It wasn't a problem with life insurance though. I guess that's a bit harder to abuse 
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