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You are looking at buying disability insurance. One is for professions you are reasonably trained for, is non-cancellable/guaranteed renewable, has a short waiting period, and

You are looking at buying disability insurance.

One is for professions you are reasonably trained for, is non-cancellable/guaranteed renewable, has a short waiting period, and has no Cola.

What is the alternative to each of these features/specifics?

Which of these features should be replaced, and with what? And what would each change do to the premiums?

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