Many people without life insurance would be shocked to learn that 1 in 6 men and 1 in 4 women in the workforce are expected to suffer a disability from the age of 35 to 65 that causes a loss of 6 months or more work. It is vitally important to consider whether you and your family would be able to cope if the main household income earner was unable to work. Keep in mind that the bills will still need to be paid, and loan repayments will still need to be made. The various forms of life insurance available - including income protection, term life insurance and total & permanent disability insurance - provide security for families. Though there has been an increase in families taking out life insurance since the Global Financial Crisis, there still remains major underinsurance. No one expects to suffer a disability, especially not between the ages of 35 and 65, but the statistics show that it is a real possibility and as such families should consider whether life insurance.