Originally Posted by NWBenefitProvider
Scant83 - Is the Mutual of Omaha STD plan available for a single person? I just haven't come across any companies offering a stand alone STD plan for an individual other than AFLAC. As I mentioned, I don't think it is a great benefit in most cases, but am certainly willing to expand my horizon if there are other carriers that offer a better product.
As for your recommendation for Guardian, they certainly are one of the best out there, but I often use them for specialty like surgeons, urologists, etc. It seems like it might be a bit overkill for a non specialty occupation like insurance agent. I guess if you have the money and want the best of the best it is great, but I believe other carriers have started to nip away at the Guardian differential.
Would u recommend Guardian for a chiropractor? Also, these "hybrid" life with DI built in, are those a better then nothing solution?