Does Dave Ramsey Recommend Long Term Disability Insurance? 
Dave believes in a methodical approach to getting out of debt , investing in the market and minimal use of insurance , which is why he is a promoter of term life insurance versus permanent life insurance . If you follow his disciple , you should be able to self-insure , Daves highest use of your money . But he has also alluded to the fact there may be circumstances where long term care insurance might be a value proposition . 