While most people buy life insurance, long term disability insurance is also an important insurance you should consider getting. It can protect you from unexpected times, when you cannot work for a long period of time. Choosing insurance of long term disability will be of great help come sudden life emergencies. Here are five reasons to consider securing this insurance:

1. Risky Profession

If what you are doing to earn income is risky, then it essential to get long term disability insurance as this can protect you when you encounter permanent disability. Jobs with high risk are even covered by their employers for such insurance.

2. Predisposed Condition

Having a genetic medical condition is also one a good reason to get this insurance. You will never know if you will inherit the same condition from your parents and ancestors, but it is better to be sure than be sorry.

3. Loan Obligations

Availing long-term disability insurance will cover you in times when you lose your job and give you protection from being delinquent in mortgage or loan payments, preventing your assets of total deterioration.

4. Family

When you have a family or if you are the head of your household, having long-term disability insurance will keep you afloat when the time comes that you lose your job.

5. Tax-Free Money

Money paid out by the insurance is free of tax.

Acquiring long term disability insurance is not a luxury but a necessity that one must take into consideration. Being prepared is always better than worrying of what's going to happen next.