An old adage in the insurance business regarding the subject of disability insurance goes like this:
"The odds are good that you will be laid up long before you are laid out!"
While this statement may seem somewhat amusing, it is also very true. Individuals (especially males) between the ages of 30 and 50 will likely suffer an incapacitating injury or illness before they die. However, for many people, it is easier to imagine dying than becoming disabled.
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