The rates are insanely high through Cisco’s transition plans, so I guess just hit open market? Any guidance?
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Agree on the John Hancock deal. It is really an amazing value. Don't give it up for anything. Even if you don't accept the daily limit increase offers over time, the base benefit could mean a ton in saved money should you ever need to use it.
Thank you on the LTD recommendation. I had not considered that (ER). Will ping my cohorts on it as well.
If you had LTD with John Hancock through Cisco, you should continue it. It is the best LTD deal out there. BTW, John Hancock exited LTD a few years ago.
Level term life insurance. Better than an employer plan anyway and portable. Save an emergency fund to avoid needing disability insurance.