High earners today will not always a high earner forever. We all know that and we can’t tell what would happen next. An income protection is a must for us that will still make us have money even at times that we cannot perform our duties anymore.

The best move for us is to have a disability insurance. Having it is just like an investment for us that we can use in the future needs. Here are some key points to consider when looking for an disability income insurance policy: Own occupation definition of disability for income protection: There are two very different definitions of disability used in disability policies. The first definition is that disability is a condition that prevents you from performing the major duties of your occupation and the other defines disability as a state that you are disabled if you can’t work at any gainful occupation and this definition is less favorable. Next is a policy with the right definition of residual (partial) benefits and return to work benefits. And financial strength of the insurance company: This could have been listed as the first point since the stability and financial strength of the insurance company are primary factors to consider.