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by
Josh Strauss, CFA and Josh Valliere, CFA

Disability insurance is a powerful but often overlooked risk management tool. Most Americans focus on auto and home insurance to protect what they consider to be their most valuable assets. However, for most individuals, future potential earnings actually represent their largest asset. An individual 35 years old earning $150,000 per year will likely generate over $4.8 million of after-tax income prior to retirement.