Cary clients ask me good questions. How much coverage does a dual-income household really need? Should we keep a policy we bought years ago, or replace it? How do we protect a spouse who may move back to a home country? How do living benefits work with disability coverage from work?
If your family has ties abroad, tell me early. Your citizenship or visa status, and any plans to travel or live overseas, can affect which carriers fit. That's one place where comparing more than one company really helps.
