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My source of information was the AAL insurance company literature. I'm sure they intended it to encourage me to get the disability insurance but I spent my time trying to analyze the assumptions behind their statistics. Of course I had no statistics to back up my guesses but would have been interested in how the real statistics compare with my guesses.

Yes, I do carry very high Uninsured Motorist coverage.

My analysis process for risk is original but much of the arguments against disability originated with Charles Givens. I found his arguments challenged me to look at other options to cover potential lost income due to a disability. (He also argued against individual stocks and for mutual funds and I ignored that advice as well as his advice of dropping Uninsured Motorist coverage.)

I think one of the reasons that most "experts" recommend disability insurance is that it is easy to make a generalization that probably applies to most folks anyway (going into exceptions takes time and detracts from the basic arguments). The "experts" also recommend "balanced portfolios" with varying mixture of stock, bonds, and cash (usually in mutual funds).
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