The money that you earn is essential to your household and business. Your income pays the bills now and helps to provide for the future goals such as a new home or car, vacations, future educational expenses, lifestyle luxuries, more real estate property, business expansions, marketing, and retirement. You can not do without your cash flow. It is your most important asset.
Now, what will happen if you couldn’t work because you were disabled by illness or injury? How do you sustain the cash flow? How does the business continue financially with the business owner (intellectual property) down? How does the household survive? Having your personal cash flow protection (Individual Disability Insurance, Business Overhead Expense) provides a way than a reasonable investment can prevent a financial disaster in case of sickness and injury. Understanding your earning power is too valuable to leave unprotected.