Disability insurance is the only insurance that has 100% acceptance by the financial media and is 100% endorsed by any financial planning professional. Here’s an excerpt from an article in The Washington Post entitled “Is Disability Insurance Something I need?” “One in three people between 35 and 65 will have a disability that lasts 90 or more days……It’s not about what happens to my family if I die, it’s what happens to my family if I survive.”

From www.wkowtv.com: Disability insurance is designed to answer a simple question: “If you’re unable to work, how will you pay your bills?” UW Extension Financial Specialist Michael Gutter says the need for disability insurance outweighs the need for life insurance, yet many more people have the latter than the former. “We’re more likely to be unable to work for a meaningful amount of time as a result of sickness or injury than we are to die while we’re working,” he points out.