If you consider a life insurance as a necessary investment for keeping away your beloved ones from the possible financial loss in the event of your death, then you should give more attention to this disability insurance. No matter how you take care of your health as good as possible, there are the times when you have to face the reality that you get sick. Sometimes your illness is just so bad that you lose your ability to go for work, and you lose the income due to the event. If you already have disability insurance, at least you will still be able to get some portions of your income.

How much the portions that are going to be covered by the insurance depend on the policy of the company giving you the insurance. In my mind disability insurance is very important especially if your income source is your skill. For example, we can see at physician. When a physician gets unable to work due to some factors like debilitating illness, his income is threaten to stop as well. This is why a physician should have a disability insurance to protect his income to some extent. And you can see the story of my uncle before. The insurance is really necessary for our future life.