Most people save money for retirement and have life insurance in case they don’t make it to retirement. The most overlooked insurance is disability. One in four workers become disabled prior to retirement. A disability policy would provide income to your family if you are unable to work due to a disability.

Many people will rely on the government to provide disability benefits through Social Security. The problem is the definition of disability is so stringent that it’s difficult to qualify even if you cannot work. A individual disability policy will provide the income needed.