I had the pleasure of seeing one of my all-time favorite brokers speak at a recent association meeting. He graciously imparted the following reminder to the audience of financial planners: You cannot spend if you don't invest. You cannot invest if you don't save. You cannot save if you don't earn. You cannot earn if you don't work. You cannot work if you become disabled. Disability income is the antidote. Make sure your clients are protected with an income stream in the event that they can no longer work. Request a quote today.