LIMRA, the Life Insurance Marketing and Reseach Association, has released data about income and income protection that is pretty scary.  70% of US households depend on dual incomes.  Yet only 25% of households have disability insurance.

This is scary.  Before the housing market fiasco of the past few years (fueled by economic downturns and too great financial committments to houses), the number one reason for house foreclosure was disability.  Something that can be almost completely hedged from a risk management point of view.  Yet it is ignored three quarters of the time.  Not a good thing unless you are a foreclosure specialist.