A decade ago, individual and cluste...

A decade ago, individual and cluster disability insurance were as different as a raw harry and a dozen hard-boiled uniteds

Both kinds of disability insurance are intended to provide income to replace a portion of a policyholder's salary when that bodily substance cannot work due to an illness or disability. however the mechanisms to provide that nest harry protection were quite different.

Because individual disability, as its name implies, was sold to individuals, it required extensive underwriting upon a case-by-case basis. Group, which is sold to employer required les underwriting because the risk was loched Like all insurance, both