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Comparing disability insurance quotes takes more than just comparing premiums. You have to dig in and read the contracts. In our previous post, we covered some basic policy features to look out for. Here, we outlined below some of the more important disability insurance contract provisions.  Declines in the stock market and a deterioration in sentiment in recent days were partially due to sharp banking sector declines this week. These stemmed from worries over what started as capital crisis in a couple of specific California banks (SVB Financial/Silicon Valley Bank and Silvergate), ending their failures within a few days.  If you are considering getting a disability policy, it pays to know what to look for. Simply comparing prices (premiums) isn't enough. Here are a few basic guidelines to help you choose a coverage most suited for your needs.  Happy New Year! We think most of you would agree that we are thankful to see 2022 in the rearview mirror. It was a challenging year on a whole host of levels with inflation spiking up to levels not seen in many decades, a new war in Europe that shows no sign of abating anytime soon and the actions of the Fed in pushing up interest rates. All this has unsettled markets and provided ample grist for speculation about the timing of the next recession.  To our friends who are tax and estate planning professionals, We hope you're staying warm and healthy. Here is a list of articles that caught our eyes recently. We hope you find them interesting and helpful to your practice as well.  It’s hard to believe, but it was only a year ago when a 30-year fixed mortgage rate was around 3%. The sudden and rapid rise of the rate has been unnerving for homebuyers and sellers (and observers) alike. What are we to make of it? Well, we are grateful for our trusted partner and mortgage professional, Scott Bothel of North Pacific Mortgage, for his insight and thoughtful explanation on today’s mortgage environment and what it means for us.  |