..Do you really need a disability income policy? ..Save $12,000 by self-insuring. ..Create a Wealth ReserveTM. Cash is a better plan. ..Accumulate $100,000 in 15 years to protect your future. You only need a separate policy if you are self-employed or own a small business, and you do NOT have a "self-insurance" plan yet. Build your own wealth, not that of your insurer-self insure Our chance of becoming totally disabled for a long period is very small. Disability policies are expensive and make sense for those who can have their own businesses bear the cost. Accumulating cash in a tax-FREE account that could be used for other financial needs and risks makes more sense for most people. In this way we can cover the remote chance of needing income due to disability but don't give up our hard-earned pay to an insurer. There are no refunds if we don't use the policy. When you use our suggestions and start saving premium every year, you can build your Wealth ReserveTM.. This tax-FREE fund can help you save even more by using the strategy most businesses use to save on insurance. They self-insure small risks and save big. Most businesses pay less for their insurance needs by using their own tax-advantaged accounts to pay for small losses when they occur. You can do the same with your Wealth ReserveTM. You build your Reserves, not those of your insurer. Like most businesses, you can develop your own "lifestyle" security. Instead of paying for insurance you don't need, you tailor it to your way of living. For instance, you probably pay for death, disability, and health benefits in your car insurance policy. You don't need to pay their high rates if you own the right policies and plans.