Many people purchase life insurance and insure their material possessions like their cars and their homes without realizing that they are forgetting to insure their most valuable asset until it is too late. What if you suddenly become sick or injured and can't work? Do you think you'll still be able to pay for your bills and maintain your standard of living? Purchasing a disability insurance insures a beneficiary his earned income at a time that he can't work because of sickness and disability. Even professionals like a well-known physician with a high paying job should have a physician disablity insurance. Whatever status you have in a society, having a disability insurance can help you get through all your expenses and help protect you and your family from going into serious debt.