When most people think about insuring their valuables, they think about their car, their home, or maybe an expensive piece of jewelry. What many people fail to realize is that all of those things are derived from your personal income. Your income is typically your largest asset.

Think about how much you earn in a year, and think about what that would be over a lifetime. If you earn $50,000 per year and your 25 years old, in a 40-year period, you will have earned $2 million, and that's without any sort of inflation. We don't hesitate to insure our homes, our cars and other valuable possessions. So why would you not insure something that is infinitely more valuable than all those things?

When a disability occurs - and the odds are much greater than you might realize - disability insurance can provide you and your family with a source of replacement income to help make ends meet until you're able to return to work.