Mylife Financial disability insurance products. Their Proguard Series is geared toward professionals. This is their flagship policy, and includes many built-in features. The plan has elimination periods also.The Proguard plan also offers a whole host of riders, including a cost of living rider to keep in line with inflation; a specific occupation rider for specialized occupations such as surgeons; and variety of return of premium riders that allow the insured to receive some of their premium back for staying healthy.

You deposit your savings into the account and immediately reduce your borrowing costs. You are most likely paying more interest on your debts than you are earning from your savings, so it only makes sense to pay down your debt before trying to build a savings plan.