Why you need it?
A lump sum payment if you suffer a permanent long term disability.
While for most people the early death of an income earner would cause serious financial strain for those left behind, the financial impact would be just as serious if that income earner became totally disabled and unable to work for the rest of their life.
In some cases the hardship experienced would be even more prolonged as ongoing daily living and medical costs for the disabled person could be significant.
