1.   Khare pays Kelly a flat weekly fee for Baltzersen, avoiding disability insurance, benefits and payroll costs.

2.   The way to avoid such problems is by arranging life assurance and disability insurance.

3.   You must buy the credit life insurance before you can buy the disability insurance.

4.   Almost all my clients start off having more life insurance and less disability insurance than they need.

5.   Already, more than one million people annually apply for disability insurance alone.

6.   An exception to the cut-costs rule is the often-overlooked area of disability insurance.

7.   And the disability insurance aimed specifically at the special needs of the disabled is not fully designed to make them independent.

8.   And while Ms. Brown already has disability insurance at her job, Ms. Drivanos thinks she needs more to cover her freelancing.

9.   Another relayed the story of a sky diver who was rejected for disability insurance by all the standard carriers.

10.   Are you unconvinced that you need disability insurance?