I have a small law firm that I handle Health for. I mentioned LTD to them in the past and now the two partners want LTD. Female is 34 good health and the Male is 37 in good health. I know his income is $330K, not sure about hers yet. What is the best strategy as far as structuring the details, such as elimination periods, maximum benefit, etc? Any recommendation on the best carrier and premiums? I rep many companies but mainly on the Medicare side of things. I can offer LTD through Mutual/United of Omaha, maybe others but need to look. The state is GA. Thanks in advance!