Hello, I am back and looking for more help... it was great last time! I have been offered a job and I am pretty certain I would like to work with the organization. Now I would like to know what is a normal rate for three things, Mainline Disability, Critical illness and long term care (for individuals). What rate is normal to expect the first year and also for the renewals? I know there are a lot of other products but they picked those out as their main products so I would like to compare those. Thanks so much for your help. Again, I will probably decide to work with the firm but I am looking for help since I have nothing else to compare this offer to and its always wise to research. 
