Busdriver,

You'd probably be best served to touch base with each company and get a copy of the policy that they are offering, and that you're interested in, because each will be different in many ways. Needless to say, we're all different, with different financial situations, goals, etc, so what someone thinks is the perfect policy, might or might not be good for you. And now is the time to do the legwork, while you're healthy and working, because regardless of how well you think you're doing, health wise, something catastrophic could be just around the corner.