If I had to pick one or the other, in this situation I would take disability insurance.

We have this discussion with parents in our practice all the time. Start them when they are young and they will grow up understanding about making financial decisions.

You really have to know how much money you need to support your family. It takes time and it's tedious but you are not going to be aware of how you spend unless you are really breaking it down.

rules

I choose not to place "DIS", in my ability.

Our first quarter results were affected by comparatively higher claims expense in both our employee benefits and individual disability businesses, which we have said can fluctuate widely from quarter to quarter. The slower rate of premium growth for the quarter was largely attributable to the effects of our ongoing commitment to pricing discipline in what was noted as a very price competitive renewal and sales environment for the quarter.