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I am a life and health insurance agent in Alabama,who has a client, who is a trucking company (20 employees), who is looking for group long term and short term disability income insurance for its employees. Who would be the top 5 life insurance companies to look at regarding this transaction ? Also, what MGA would be the best company to contract with to handle this transaction ? My main competition is Colonial . How competitive is Colonial in the long term and short term disability insurance market, especially for trucking companies ? I read that the following life insurance companies are the top 5 carriers to handle long term and short term disability insurance carriers are : (1) The Standard (2) Prinicipal (3) Ameritas (4) Guardian (5) Mass Mutual. However, since this company is a blue collar market, I wonder if I need to look at other insurance companies ? Any help in answering my questions would be appreciated. Thanks.