Beels
Active VIP Member
Skip the brokers...call SGI direct on their customer service line. Only way you get a solid answer is from the horses mouth. Very few knowledgable brokers out there and its difficult to blame them...insurance is a complex thing with a multitude of loopholes.
My broker has a book they keep that whenever they get a clarification from SGI, they write down what it was, who they got it from and the date / time. At least you have something to fall back on if they fed you a line of crap.