Large amounts of life insurance are purchased every year after one realizes how their death would impact their families standard of living. Few people have given the same consideration in protecting their families in the event of a disability. The average worker faces a much higher risk of an extended disability than premature death. Yet disability insurance protection is one of the most overlooked and misunderstood forms of insurance.
When attending a disability awareness conference I was fortunate to hear a Financial Advisor address the audience. He stated that the first