Playing the odds

Q:  Are you more likely to die or become disabled?

A: Between the ages of 35 and 65, you're 3 times more likely to become disabled than to die. 

This fact not withstanding, only about 40% of people in this group have disability insurance compared to 70% with life insurance.  You insure your house, your car, etc.  Do you insure your income?  Life insurance does part of the job, but death isn't the only thing that can deprive you (and your family) of an income.  If you're in the uninsured crowd, you may want to talk to a trusted financial adviser.  Until then, look both ways before crossing the street.