Female architect had a father who got Parkinson's. She had just started her practice and wasn't making a whole lot of income, but wanted and needed disability income. To be covered, as a 32 year old female, was pretty expensive. She couldn't afford it. She had 2 other people working for her - so what we did was have her buy minimal ($1000 for 2year benefit) on each of the assistants. This let us go with a Multi-Life unisex plan and even with her buying the coverage for her employees - She saved enough to be able to afford it - This works extremely for females
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