Disability income insurance protects the insured from a loss of income due to an accident or illness. The greatest asset we have is our earning potential and it is key in a sound financial plan to insure it. A good policy will be non-cancelable and guaranteed renewable, assuring the contract and rates cannot be changed or canceled by the insurance company. This insurance can cover the insured to age 65 and usually pays approximately 60% of the insuredıs salary, in the event of a disability. There are also riders available to protect against inflation, guarantee future benefit increases, and refund part of the premium. Rates are based on your occupation, age, health and income.