Analysis of your personal situation and market analysis to determine a clear, informed decision as to the most competitive policies in the industry available to you.  These competitive policies unique benefits and provisions will be presented.  Analysis using clear, customized, meaningful, numeric value calculations, when considering whether to buy now vs. buy later vs. self-insuring and 3-year vs. 5-year vs. 10-year benefit policies, as well as, shared care vs. independent policies.  Lastly, this analysis considers the choices of benefit period, elimination period, maximum monthly benefit.