You’re a car accident or a trip down the stairs from needing LTD/STD. Hope that no one needs it. But you can burn through 100k in weeks with the wrong kind of injuries.

IMO. The insurance is worth it. 3k a week nothing would change but my toxicology.

If you’re set to survive 6mo or more without a paycheck. Good on ya. You’re a better planner than me.

Someone asked me one time why I have life insurance on my kids. Because I’m pretty sure I won’t be fit for duty for some time and anyone surviving will still need to eat and have other bills paid.