As I mentioned in previous posts, I have been trying to decide whether I need a private LTD or not. I think I will buy one. So, I got a quote from Guardian as follows:$620/year (I can choose another option about $350/year but premium will increase every year, if i will keep the policy more than age of 53, then it wont be better) for $1590/mo benefit (low cause of group benefit that i already have). all riders are loaded. 180 days termination day and till age of 65.I think that is pretty good quote considering that I am 37 years old with no health issues. But I am still curious to shop around and compare other companies.What other good reputable companies would you recommend me to ask for a private disability quote? Or this quote is good enough and I shouldn't bother?
I did not find the right solution from the internet.
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