Long term disability insurance (or what is commonly simply referred to as individual disability insurance, or just disability insurance) is a product that should be purchased by individuals who do not have assets saves to retire.
In other words, if you do not have the ability to comfortably generate he income you currently earn with your assets, you should strongly consider buying disability insurance.
Regional Marketing Director, Capital Choice Financial Group,
No one knows when he might get into an accident or become sick so long term disability insurance will protect a portion of your income until you are able to work again. There are many polices to choose from. When shopping with an agent be careful of the elimination period. This is the time that you must wait to actually begin receiving benefits from the policy.
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In other words, if you do not have the ability to comfortably generate he income you currently earn with your assets, you should strongly consider buying disability insurance.