Why do you need disability insurance
If you are still working, then your largest asset is not your house, your health, or your company pension. In fact, your largest asset is your ability to produce an income.
I might sound rude but it's a fact. I bet you think 'bad stuff' only happens to the other guy. Well, to the other guy, you’re the other guy. So change the, 'It won't happen to me' attitude.
It's high time you got yourself insured. And till the time you are earning you have the freedom of choice. So, exercise that choice.
Don't think 'Insurance is too expensive'. Can it ever be more expensive or precious than your life?
Stop wasting your time thinking silly things and behave logically. A word is enough to the wise!