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There is a big difference between group and the individual market.
For group, there are multiple GI DI carriers.
Guardian has a great group DI product. (modified ownocc, up to $6k monthly)
Ameritas, Principal, Unum, and I think NYL are all in the market. Unum would be the worst policy of the group.
Comp varies. You can get 40%-60% y1. Or take a flat 10%-15% ongoing.
Those same players offer group life as well. But you should add LFG to the mix for life.
Stay away from Aflac and Colonial.
For group, there are multiple GI DI carriers.
Guardian has a great group DI product. (modified ownocc, up to $6k monthly)
Ameritas, Principal, Unum, and I think NYL are all in the market. Unum would be the worst policy of the group.
Comp varies. You can get 40%-60% y1. Or take a flat 10%-15% ongoing.
Those same players offer group life as well. But you should add LFG to the mix for life.
Stay away from Aflac and Colonial.
