When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content The Why, What and How of Life Insurance The Why, What and How of Life Insurance Disability and Your Finances In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings. Your DNA Test If your family relies on your income, it’s critical to know what their needs would be in the event of your death.