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Reply: 1.1.1.1.1.1.1.1.2.1.1.1.1.2 From: Michele B Dirk Any insurance is a waste of money unless to replace an essential income stream or valuable asset. michele

Reply: 1.1.1.1.1.1.1.1.2.1 From: Michele B Make sure you nominate your actual income and not your 'paper' income, esp when self employed with several entities. Not nice to receive only 75% of say $20K instead of your real much higher income. michele