AboutDave Bowman Expertise I will answer questions of a general nature regarding life insurance, disability income insurance annuities (fixed and variable) and long term care insurance. Also, questions regarding estate analysis. No legal or accounting advice, as I am not a lawyer or a CPA. I do not sell health insurance, so have limited knowledge of the current status of that field.
Experience
Past/Present clients Families, professionals, small businesses, individuals.
Question Best DI company if you have preexisting conditions. What are your recommendations.
Answer I'm not aware of any "best" company - if that means that they will ignore a pre-existing condition. Disability income is underwritten individually, so "pre-existing conditions" must be revealed at the time of application. Most carriers can rider out certain such conditions, such as a back ailment or a bad knee, but issue the policy on that basis. That gives you a policy that covers all disabilities except those to which the rider applies.
