As a parent or spouse, your most valuable financial asset may be your ability to work and earn a living. If you get injured, become disabled or suffer a severe illness and are unable to work, would you be able to maintain your current standard of living? Savings can disappear quickly, so disability insurance can provide the financial security you and your family will need if the unthinkable occurs. You'll want to consider all of your monthly financial obligations and the amount of time you will be out of work in assessing your needs.

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