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 …
Takes about one phone call, one doctor's appointment, several emails, and a few weeks end to end for the LTD bit.
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Typical flow for term life in Japan is one call, one visit with agent, one visit with doctor, and some paperwork.
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