Originally Posted by will76

not if you take out a dissability policy. I have one, doesn't cost that much because of the type of business we are in, sitting at a PC is not a high risk injury job. I pay a couple hundred a month and if i ever get in a car accident, or whatever and i am left with perminate injuries i collect over 100K a year for a long long time. BEst part is it doesn't mater if you income decreases in the future you lock it in. So i can make 20K next year working at McDonalds and have a fryer accident and can't work no more and they still pay me my 100K+ a year as long as i kept making my payments...


your biggest asset it you! do you protect that?
You likely spend more on car insurance a month to protect a 30K car for replacement value, so why not spend less then that to protect your income, for life ? Makes no sense how someone could not have this... a car accident, amoung other things, can happen at any time.