Most families are faced with the financial risk that an unfortunate occurrence might cause the family to lose the income of a breadwinner. A common misconception is that a death presents the largest risk of loss of family income. However, over a lifetime, an individual has a much greater chance becoming unable to provide income due to temporary or permanent disability as opposed to death. To protect against such risks, disability insurance can provide a viable solution. At ELIA International Consulting Services, our licensed insurance agents are able to assist clients in assessing disability risks and to integrate proper protection into an overall financial plan.