Colonial VS Aflac

I am a life and health insurance agent in Alabama,who has a client,who is a trucking company in Alabama (20 employees), who is looking at long term and short term disability insurance for its employees. They are currently looking at Colonial regarding their long term and short term disability insurance needs. How competitive is Colonial regarding this marketplace and what insurance companies would be best in competing against Colonial? Any help regarding this matter would be appreciated. Thanks.

Colonial doesn't have a true LTD product. At most they have a STD with a 24 month benefit. You might want to look to Unum. Don't know if they would consider a 20 EE case, but it's worth exploring.
 
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