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"YOU'LL BE GLAD YOU WENT TO SCHOOL"
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INDIVIDUAL DISABILITY INSURANCE
Are you self-employed? The sole bread winner? You need to protect your income. If your employer doesn't offer disability, consider purchasing your own coverage. If you are disabled, you will need income to help pay the bills so you don't have to access your "rainy day" fund. Let us quote from the 6 top rated companies offering this coverage to individuals. All professions are eligible. 
CRITICAL ILLNESS INSURANCE
Do you have a high deductible health plan? Family history of cancer or heart disease? With medical technology today, you are more likely to survive a critical illness than in the past. If you are diagnosed with a critical illness (20 critical conditions listed) you can get a lump sum payout to help pay for: medical deductibles, house payment, travel or other bills. It's inexpensive and can help you out financially when you need time to get back on your feet.
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MORTGAGE DISABILITY INSURANCE
One of the biggest bills you have is your mortgage payment. Don't risk losing your home if you are disabled. Get mortgage protection. Your mortgage will be paid monthly, up to $1500, and will give you time to heal without worrying about your living situation. It's the most cost effective disability product to protect your greatest asset.
BUSINESS OVERHEAD INSURANCE
Are you a business owner? Do you have bills? Protect your business and credit in the event you are disabled. A business overhead expense policy will pay your monthly bills so you can keep your business going.
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