Is there anything negative about the RBC disability plan compared to the OMA? They seemed quite comparable externally and the talk from the OMA at our school was not amazing.
Upfront costs for the OMA seemed higher, but had the possibility of having fees returned. RBC upfront costs were less if doing a level cost for many years. It was unclear if this was an option for the OMA.
I was advised to cancel the OMA insurance when I got the RBC insurance, but I'm not sure why.
Unrelated: outside of each other, are there any good resources for learning more about the types of insurance and how to compare plans? I find I’m making decisions about disability with biased information presented by brokers with something to gain.