Do you work in an industry where your physical health and well-being is of vital importance? If so, you could benefit from taking out a term life insurance policy that features a disability rider.
A disability rider coupled with a standard cheap term life insurance policy gives you extra coverage in the event that you are disabled or injured in any way that will affect your performance in the workplace. If you work in a factory or outdoors, this type of insurance coverage offers added security. Why face financial ruin in the event of an accident or other circumstances beyond your control when a term insurance policy and disability rider can help you out?