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...time when he/she needs it the most.
Consider the DI policy's elimination period. Most if not all DI products have an elimination period of 30-180 days. Unfortunately, living expenses do not wait. During this time, the client may not have income to cover monthly expenses and may have to dip into savings, retirement accounts or cash value insurance. In addition, the illness may require funds to cover costs not covered by medical insurance--e.g., deductibles, co-payments, specialists, experimental treatments, and vehicle and home modifications.
DI...
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