Why Do I Need Disability Insurance? Most people are unaware of the startling disability statistics. Often they have purchased life insurance to protect their families in the event of death.In fact, the odds are far greater that a person will become disabled in a given year than that he or she will die. There is at least an eight times greater chance of suffering a disability of at least 90 days as compared to the chances of death (up to age 37). While death may be inevitable, disability is more probable at any given age. |