Are you the goose that lays golden egg? Are you going to sit and see everything you’ve worked for to be gone if you cannot function due to disability? Don’t you want to protect what you’ve worked for all your life?
In general, loss of income equals stress, and stress equals health problems. Health problems mean loss of insurability . Loss of insurability means diminished health and usually it means end of life. How smart are people who keep their cell phones, cars, etc.; however, cancel life insurance product that will secure all?