Why Should A Person Purchase Disability Insurance? 
A person should purchase disability insurance to help offset the potential loss of earned income , which could be financially devastating . Disability coverage , when purchased at specific ages , will give you the peace of mind knowing that in the event of a covered event where you can not work , a stream of income will be provided . Rates are based on your occupation and specific health factors . When purchased young , premiums are affordable , compared to the potential risk you take by not having coverage . 