Life is challenging as it is, let alone working through the costs of the unexpected we hope to not experience. Luckily, there’s insurance in lots of these cases. We buy cell phone insurance if we break or lose our phone, home insurance in the event of water damage from a pipe burst or a storm causing havoc, life insurance if we are suddenly taken away from the world, but what about insurance if we become too sick or injured to work? Luke O'Connor, a disability specialist with Crump Life Insurance Services, shares why it makes sense to consider the need for disability insurance and protecting your number one asset, your ability to earn income. Think you don’t need disability coverage? Think again.