Do you have a plan to take care of your family and loved ones should something happen to you? Who in your life depends on your income? How would you support yourself if you couldn't work for a long period of time?
Life and disability insurance is about looking after yourself and those who depend on your income. It helps provide financial flexibility to get through a difficult time.
If you're a business owner, most of these products can be taken out for business or personal purposes depending on your needs.