Single Adults - no spousal income if they become seriously ill.
Single Parents - may not have financial safety net if struck by a serious illness.
People with debt - financial obligations continue if they're sick.
People who don't have adequate life insurance - CI benefits can be paid to the estate.
People who want more options than may be available with their HMO - benefit can be used for the best medical care/experimental treatments available regardless of network limitations.
People with a mortgage - half of all home foreclosures are due to a serious illness - only 3% are due to death*.
People who want to be in charge of their own destiny - offers the freedom to choose when a health crisis takes that away.
People with middle incomes - often under-insured and debt vulnerable even a low benefit amount ($30,000) can make a huge difference in their lives.
Families - a spouse might have to take an unpaid leave to help sick spouse, childcare.
Stay at home parent - benefit can pay for childcare, housekeeping, etc. when stay-at-home parent is ill or needs to take care of ill spouse.
People whose occupations might keep them out of DI -

Freeland writers/authors	Part-time employees
Artists/photographers	Stay at home spouses
Pilots/harbor master	Elected officials
Lounge or bar employees	Military personnel (no war-related)
Bridge construction workers	Private nurses
Bridge maintenance workers	Structural steel workers
Power line construction workers	Underground/mine workers (no explosives)
Power line maintenance	Students/recent graduates

* MDRT presentation www.mdrtcfp.org tape #9966.

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