Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
There are a LOT of levers there, though. (And I think my cost is higher than normal because of the international curve balls.)
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Cool, thanks. Did some online quotes and that seems right. Why is coverage capped?
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Adverse selection/malingering; insurance companies don't want someone to either decide to not work or be incentivized to lengthen non-work.
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