What Does Dave Ramsey Say About Long Term Disability Insurance? 
Dave Ramsey believes that there are 4 must have insurance policies and they are : 1 Life Insurance 2 . Long Term Disability Insurance 3 . Long Term Care Insurance 4 . Homeowners/Renters Insurance . Many people argue about the details of each as well as what company to choose . The bottom line is that there is no set answer for anyone - talk to your insurance agent and decide for you which is the best plan for you . 