An unforeseen accident or illness that prevents you from earning a living can have a drastic and devastating effect on you and your family.

Consider the following numbers for a 50 year old person who suffers a long term disability:

Loss of earnings if disabled.*

Consider the following for a 35 year old person:

The chance of him or her being disabled for 90 days or more before the age of 65 is over 40%; and the average length of a disability that lasts over 90 days is 3 years.
Long term disability insurance is therefore just as important (and, in many situations, more important) than life insurance.