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Pittsburg, Kansas | If he has young dependents who can not defend for themselves, probably so. If everyone he is living with or associated with are self sufficient, probably not. Without dependents needing the income it mostly becomes a game of chance to "win". Insurance companies tend to stack the odds of winning in their favor.
I look at life or disability insurance as protection for others rather than the insured. So are there others that need that guaranteed income stream?
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At 62, do you continue buying Disability Insurance.
