After financial adviser Sarah Carlson fell victim to a violent hit-and-run driver, she became a long-distance triathlete — and a vivid example of why disability insurance is so important for clients.

Many employers provide short- and long-term disability insurance for their employees as an important part of their benefits packages. These policies often make an enormous difference in an employee's ...

The disability insurance marketplace may seem relatively obscure to many life and health insurance advisors active in the industry today. However, the true nature and importance of income protection ...

Disability insurance isn't a topic that comes up often in daily conversations (or even many financial ones). After all, none of us plan on becoming ill or injured to the extent we can no longer work.

Let’s say you suddenly fell ill or sustained an injury that prevented you from working and earning a paycheck. Would you be able to keep yourself afloat with the money in your emergency fund for three ...

Disability insurance is an important element in protecting your financial well-being. This insurance offers income replacement if you get hurt or can no longer work because of physical limitations. So ...

Corrections & Clarifications: A previous version of this story misstated what type of policy is considered the gold standard of disability insurance. It also misstated how someone’s youth affects ...

The Surplus lines market has traditionally been a method for insurance placement available to property and casualty products only, although states are increasingly opening up other lines of insurance ...

What would you do if you were injured and couldn’t work? Maybe you have an emergency fund with enough cash to cover your essential living expenses for three to six months (or longer). But what happens ...

Today’s work climate is geared toward freelance jobs, which makes it especially important for self-employed people to know how to arrange for their financial needs. One major fear among sole ...

Here at Money Digest, we frequently advocate for budgeting to live within your means, establishing an emergency fund, ...