Best Alternatives to NWM DI?

When buying disability insurance -- you are buying accessibility to benefits. You want claims paid. Dividends should not be a factor, and if you are looking at the dividend to reduce your cost, then you are going down a very dangerous road, the road of price vs. cost. The best disability policies, with the best, most favorable language, terms, conditions, riders, etc. -- will cost more than others that are not as good.