Disability Insurance is a key part of comprehensive financial planning. A disability insurance policy provides financial security in the event that a person becomes disabled and is no longer able to work. Disability insurance can be purchased that is specific to a particular profession, such as physician disability insurance. Ideally all working professionals should have disability insurance. Often individuals who have adequate life insurance have failed to plan for the possibility of disability, yet statistically one is more likely to suffer disability than premature death. As with any insurance, be sure to obtain disability insurance from a reputable company and seek help from a financial planner if necessary.

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