I met with Rene at Insure Your Future and he clearly explained how my group coverage at work would only give me about 45% of my regular income if I got hurt. He also showed how, at my age of 42, I'm 3 times as likely to need disability insurance than I am life insurance. Anyway, Rene and I compared quotes from eight different companies and went with one that ensures I'll get almost 100% of my regular salary (post-tax!) if I can't work. Rene is great and very knowledgeable. Highly recommended!!
Pros: Very easy to understand, common sense, compare quotes and choose the best.
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