Disability Insurance vs Life Insurance

Disability Insurance vs. Life Insurance: Which do you have a higher chance of using?

• The risk of disability during a worker’s career is greater than the risk of premature death. Yet most workers would never think of going without life insurance protection for their families.^[1]
• In the U.S., a disabling injury occurs every second, a fatal injury occurs every four minutes.^[2]
• The risk of long-term disability during a worker’s career is greater than the risk of premature death. Yet most workers would never think of going without life insurance protection for their families.^[1]
• 1 in 42 chance you will use your Auto Insurance.
• 3 in 10 chance you will need Disability Insurance before you retire.

^[1] Guide to Disability Income Insurance, America’s Health Insurance Plans, 2013.

^[2] National Safety Council, Injury Facts 2012 Ed.