Your earning power is the most valuable asset you have. Itprovides the foundation upon which all your other assets -- home,car, education, investments, etc. -- are supported. But whilemost individuals readily insure their lives, homes and cars, theyoften fail to insure their ability to earn an income.

And even if you have disability insurance through your employer,the chances are great that you're underinsured -- especially if youreceive additional discretionary income such as bonuses andcommissions.

It's also important to note that any disability benefits receivedfrom your employer's coverage are taxable, so your protection maybe significantly reduced. If the personal disability insurancepremiums are paid by you, you receive 100 percent of the benefittax free.

How likely are you to become disabled? It's more common than youthink. And according to the National Safety Council*, it'scertainly more common between the ages of 40 and 65 than losingyour home, car or life.

Learn more about disability and disability insurance protectionby looking at:

• Your chances of becoming disabled
  
• Disability from all walks of life
  
• How to determine if you're underinsured
  
• in your personal life
  
• in your business