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Disability Insurance Why Do People Buy It?

Each person who buys disability insurance has his or her own particular reason to get income protection with their own disability insurance policy.

And these reasons differ widely. They all buy it to protect their future income, but the reason that triggers the purchase varies widely.

Over the years, people in all walks of life have bought disability insurance but, looking at some records, I was struck by how much the reasons differ. Here's a small sample.

Disability Insurance: Reasons To Purchase

A heart specialist, age 38

Reason: The hospital provides none at the moment, but I need disability insurance before I commence doing surgeries.

Writer, age 46

Reason: I am self employed and must buy all my own life and health coverage.

Lawyer age 33

Reason: We only have one income and if I become disabled, the only income we will have will be from disability insurance.

Veterinarian, age 29

Reason: To protect my income in event of injury, which is not unknown in this profession.

Professional, age 36

Reason: Peace of mind. What if I wait that one day too long; I'll think about disability insurance for the rest of my life.

Consultant, age 46

Reason: Planning for the future. How can I do a financial plan, when I don't know whether I can carry it out?

Salesman, age 33

Reason: Protect family in the event I am unable to work; I have no investments to produce income.

Sales Manger, age 40

Reason: It is simply part and parcel of what I need to protect myself and my family.

Computer Programmer, age 36

Reason: To replace lost income in case I don't die in the accident I always think is going to happen to me.

Neurosurgeon, age 58

Reason: Protection to the maximum please; disability insurance and critical illness insurance are both necessary.

Chartered Accountant, age 39

Reason: I deal with small business people and have seen clients, lose homes and businesses as there is no income from a disability insurance policy.

Manager, age 32

Reason: Just makes sense; disability insurance is the only way to protect your income.

Web Programmer, age 34

Reason: In case I'm disabled for a long time, disability insurance is the only income I'll have.

Dentist, age 42

Reason: I am in an occupation that is prone to injury; I have no choice.

Electrician, age 40

Reason: I have no group disability insurance so I must provide my own.

Plumber, age 36

Reason: Disability insurance, life and health insurance are just part of the protection I need.

JewellerScience Articles, age 46

Reason: I am self employed and must protect my life with life insurance and my income with disability insurance.

Conclusion On Reasons To Buy Disability Insurance

You can see the triggers to buy disability insurance differ greatly.

Please let us know what is your reason to have disability insurance and we'll send you a Free Disability Ebook. Send your reasons to

Article Tags: Disability Insurance

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Ivon T. Hughes of The Hughes Trustco Group is the author of the Life Insurance Handbook: How To Get The Best & Cheapest Life Insurance available FREE to all new subscribers at

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