This is a YouTube video titled "How To Get Disability Insurance If You Have Medical Issues" containing a monologue or single-speaker explanation recorded on November 17, 2023. The speaker discusses the process of obtaining disability insurance, emphasizing the use of independent insurance agents and guaranteed standard issue policies, especially for individuals with prior medical concerns.
So you need to get your disability insurance. But what is the process? Well, you know, you want to get an independent insurance agent, but you also want to be looking at whether your institution has a guaranteed standard issue policy. And if it does, you probably want to apply for that. First, get that in place. Second, when you get your independent agent, you know, be honest with them, tell them what's going on. Say, you know what, I had surgery on my wrist and I'm worried this is going to cause me to have some exclusions or be declined. Can you shop me around informally to the insurance companies to see if any of them would offer me a policy? If my policy is going to have an exclusion on it or how that's going to work before applying? I don't really want to get declined. That's the way the process works. Independent agent that can sell you a policy from any company that's going to shop you around informally and a GSI policy. Those are the two things you want to be looking at.
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