I've got a personal question that's tangentially related to careers but I'm not sure where it should go, but then maybe there are other actuaries faced with a similar situation. The disability insurance policy my employer offers leaves much to be desired so I got a quote from a broker for a supplemental policy from Principal Life costing ~1400/year with an additional purchase benefit rider, 3% cost of living growth, and several other features. However, as an actuary and a former insurance agent, my instincts nag me that there should be some way to leverage what I know to find something cheaper but don't know how to do it if there is a way. Is this the only recourse?
disability policy
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