There is no doubt that your greatest assets is your ability to work and earn an income. Suffering a long-term sickness or injury will prevent you earning an income, crippling you and your loved ones financially and making your loved ones depend on others.
Disability can happen at any time. It is not selective.
Surely it makes sense to secure your income earning potential? Income protection provides a monthly income for when you are disabled for a short or long period.
Disability insurance is the only way to immediately have access to a large tax-free lump sum if you suffer a life changing event.