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If you rely on your income, you need to protect it with a good disability insurance policy. Many people take this for granted, but consider the economic impact you have to your family: Annual salary:  $50,000 Age: 35 Retire at age: 65 Earned income over 30 working years: $1,500,000 Do you have anything else in your possession that’s worth over $1,5000,000? If you did, wouldn’t you insure it against loss?  That’s what disability insurance does…