Plans Put Disability insurance in Reach -1

Here's a familiar midnight wake-up call: What will happen to my family's financial future if tomorrow I am hit and killed by a bus or injured and unable to work?

Fortunately, there are insurance products to cover either unpleasant scenario.

Life insurance, be it the cash-value whole life insurance or the more popular term life variety, can provide for your spouse and children upon your death.

Meanwhile, disability income insurance can replace up to 60 percent of your monthly income for either a fixed period or until you reach age 65.