Whenever we consider insurance, the first ones that come to mind are the two most common: home insurance and vehicle insurance. There is not much of a choice as to whether you take out insurance in these two instances, as the mortgage provider insists on coverage for the house and the law requires that your car is insured. The main factor that determines whether you can afford these two is whether you are able to earn an income.It is virtually impossible for anyone to both pay for the insurance and upkeep of their house and car as well as their family, without a regular income. A way to ensure against loss of income as a result of either permanent or temporary disability is to invest in disability insurance. The following will give reasons why you should have disability insurance as part of your overall financial management plan and what you should consider when choosing a policy to protect your home. [...] Continue Reading…