A person that needs disability insurance is someone who
works to earn an income and depends on this income to pay
for his or her living and lifestyle expenses. This is the
situation for the majority of people. Many times these people
don’t realize the risk until disability interrupts
their stream of income and their savings are drained. By
then, or course, it’s too late.
It is an appropriate product for single “no dependent”
clients. However, for those who have a family, protecting
themselves during a disability also protects their dependants.
Some exceptions may be individuals with a high level of
investment income, students, or individuals whose spouse
continues to provide enough income to cover living expenses.
