Just one word or phrase can make a huge difference. Whether you're talking with a client, negotiating a deal or focusing on the specifics of a contract, attention to detail is a must. So, why do we rely so much on the quick scan of a spreadsheet to tell the whole story?

Carriers aren't the same. Service isn't the same. And, contracts are most definitely not the same.

In the world of disability coverage, people often believe all contracts function alike when, in fact, that's rarely the case — there are always variations. And that can sometimes translate into shock at claim time, which is the worst time for a surprise.

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