This needs to be said more. Especially for the young, disability insurance is vastly more important than life insurance usually. When I got licensed, they quot

This needs to be said more. Especially for the young, disability insurance is vastly more important than life insurance usually. When I got licensed, they quoted to us saying that "you are 8 times more likely to need disability insurance than life insurance (and you are guaranteed to die!)." This is due to something like 20-25% of people needing disability insurance during their working careers and most people dying during retirement with not a lot of bills left behind.