Which insurance product covers you if you are unable to work due to injury?

• A. Disability insurance
• B. Term life insurance
• C. Auto insurance
• D. Homeowners insurance

Answer: (A)

Disability insurance is designed to replace part of your paycheck when you’re unable to work because of an injury or illness. It provides regular cash benefits to help cover living expenses, bills, and ongoing costs while you recover, keeping you financially afloat during the time you can’t work. This is the type of protection you’d rely on if a injury temporarily or long-term disables you from earning an income.

The other policies serve different purposes. Term life insurance pays a death benefit to beneficiaries if you pass away, not while you’re alive and unable to work. Auto insurance covers damage or liability related to a vehicle, not your income. Homeowners insurance protects a home and its contents from damage or loss, not your ability to earn wages. So the product that specifically covers you when you can’t work due to injury is disability insurance.