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After selecting an agent or broker, do not hesitate to bring him or her your insurance problems and questions. Agents and brokers earn a commission on your business and should do more than just sell you a policy. They should advise you, answer your questions, and assist you with your insurance claims.

A permanent disability is one that will remain with a person throughout his or her lifetime, or he or she will not recover, or that in all possibility, will continue indefinitely. Insurance companies often have slightly different definitions of what determines permanent disability.



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