You rely on their income
To support themselves and their loved ones
The policy provides a percentage of your income, typically around 60%, to help cover your living expenses while you are unable to work
You are the primary breadwinner in their family
Those who have a high-income occupation, self-employed individuals, or people who have high medical expenses
You have a high-deductible health plan
To help cover costs that aren't covered by insurance
You have a high-risk occupation or hobby
Such as professional athletes, dancers, or those in the construction industry, may also benefit
