Disability Insurance promises protection for the insured by providing an income for the person if they become disabled due to an accident and/ or illness. This is considered by some professionals to be the most overlooked form of insurance coverage today. Obviously, when someone is unable to work, their income stream usually ends, or at the very least is curtailed considerably, while everyday expenses continue to roll in like a tidal wave. This type of insurance will help rescue the individual from economic death with the needed income he/she needs until they can get back on their feet and working again.