How Important Is It To Have Disability Insurance? 
The thing about any type of insurance is to almost everyone , agents included it is a nuisance to pay the premiums every month or year because it seems to be a waste of money . However , at claim time , everyone is always glad they paid for their insurance . The same is true with disability insurance . It is not a very cheap premium and can be seen as not necessary in a budget . However at claim time disability is the difference between living a recovery and losing it all to bankruptcy . Statistically speaking you are 8 times more likely to become disabled than to die . Not only is disability important in a financial plan but the only way to truly protect your number one asset , your ability to earn a living . 