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Good, well written article. My wife, son and I all have medical insurance which we pay out the ass for and it is a 10g deductable. Sucks but if something major happens at least we are only 10g in the hole. Pretty frustrating considering we still pay $429 month for the policy.
I have a few investments along with a life insurance plan, as does my wife. Disability is something I have never looked into. I know its something to be taken seriously but between Health, Life and putting a set amount of money aside into our long term investments. Im not sure we could even afford it.....
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