Most people think the most valuable asset they have is their home.

It is actually your ability to earn a living. You just don’t think about that until it is unexpectedly taken away.

If you are unable to perform the duties of your job due to injury or illness that is unrelated to your work, disability insurance can pay up to 60 percent of your salary.

That can provide a needed safety net to your family while it adjusts to the loss of your income.