Inexpensive and readily available, but they are at best a poor substitute for disability insurance. Some policies pay a flat monthly benefit, but they'll be conservative in their definition of disability. Whole-life policies build cash value you can borrow against. There are two options you probably shouldn't count on. Due to its extremely strict definitions about disability and work-history eligibility, this is not something you want to count on.
Few people have sufficient savings to self-insure against disability.
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