Most people hear "disability insurance" and instantly want to tap out. But this might be the most important episode you listen to all year. We sit down with Dennis Hornsby, Director of Insurance Operations at SLP Insurance, to break down what disability coverage actually does, why it matters so much in your 20s–40s, and how a few simple decisions can protect your income, your family, and your future. You'll learn what must-have policy features to look for, how to avoid common mistakes, and why now is the best time to get this in place.

Key moments:

(07:12) Resident discounts: the 20% lifetime savings most people miss

(11:54) Own-occupation coverage and why specialists can't skip it

(16:11) Partial disability: the benefit you'll likely use before anything else

(23:27) Riders that matter (catastrophic, COLA, and benefit increase)

(38:06) Benefit period vs. elimination period and how to choose the right combo

Resource mentioned:

• Get a disability insurance quote

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