ficient coverage, but also you'll review your coverage an-nually to make sure that it's keeping up."
We all gave the thumbs-up sign.
"Although I'm sure you three recognize the importance of health insurance, I'm equally sure you don't recognize the importance of disability coverage," Roy continued.
"Disability insurance is the most neglected of all forms of insurance, yet, for many people, it's one of the most critical insurance needs. What are your chances of being disabled for a one-year period at some point in your life?"
"One in twenty?" Cathy guessed.
"I would say one in thirty," Tom speculated.
"One in four," Roy stated solemnly, taking the three of us aback.
Cathy broke our stunned silence. "That's amazing."
"It really is," Roy concurred. "A thirty-year-old has a one-in-four chance of becoming disabled for one year or more at some point in his or her life.
"At your age, your biggest asset, by far, is your earning power. You have to protect it. If a machine in your basement churned out forty thousand one-dollar bills a year, would you insure it against breakdown? Of course you would, especially if you knew there was a twenty-five percent chance that it would quit on you. Are you with me?" We nodded our heads vigorously.
"When people die, they cease to be a financial asset to their dependents. That's why so many people need life in-surance: to replace that asset—to replace that earning power. When people are disabled, they don't just cease to be an asset to their families—they become a liability. Excuse me for being blunt, but dead people don't need to be fed, clothed, or sheltered. Make sure that you have proper