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This is really a critical element for me because people look at Life cover and think, “Well, if I die, how much money am I going to leave my family?” But the big question is, you're in that horror car smash and you don't die. But your body is maimed, you're unable to look after yourself, you're unable to work. You haven't died. So, people aren't mourning that, but people are mourning the potentiality of a long-term disability in looking after you.

Now, the selfish, which I'd rather call the selfless act of love, of taking Disability cover - means that should a catastrophic, horrendous trauma happen to you - you are able to:

1. Have the financial resources to deal with the situation.
2. Have the ability to replace an income, which in turn means that you can look after yourself and your family.

I think if you're like me, and I'm pretty sure we all are the same, none of us wants to be a burden on the next person. None of us like being the drain, especially on our family. Everybody wants things to be working in a way where it's happy, it's consistent, it's predictable.

When life isn't predictable: like cancer, a heart attack, a stroke (strokes are terrible if you know anything about them), through being maimed in a car accident or a silly injury that where you fall off a roof or something like that, or medically where things happen inside your body that create disabilities within you.

Things like blindness or losing your hearing, these are catastrophic events. No amount of money is going to buy your legs back. No amount of money is going to give you a new heart. But what that money does do from insurance, is it gives you the ability to seek the right medical help, get the right medical interventions or prosthesis. It allows you to replace an income and you can rather sit at home and recover and work on your own health. It allows you the ability to pay off debts through lump sum disability or lump sum illness payments - so that you are not a burden on your family. You guys can rather focus on healing and bringing the family together and financially it does not become a crippling event to you.

I listened to a very famous American financial planner. He was talking about how unique the financial planning industry is. To sum it up, he said that we work in an industry where we look after the weak, the infirm and the unable. Our sole job is to create an income or to create money that outlives the people. We protect the innocent and we protect those who cannot fend for themselves. Insurance is not a case of taking up big life insurances for commissions or for anything other than the love that you're giving back to yourself or giving back to your family.

Jeff Ostrom - 1.618 Executive Financial Advisor