Scott and I touch on the differences between FIO and the FPOs on Disabilty Insurance Contracts.
Generally speaking, you have these types:
FIO = ones you can buy, if you qualify for them.
FPO = ones you don’t buy, if you qualify for them.
There are some similarities and a lot of differences. This episode should be able to help you out. Let us know if you would like some help to determine what you have in place!