When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents Don't Myth Out on Whole Life There are a lot of myths around whole life. Get the facts here. A Look at Whole Life Insurance Whole life insurance remains in force as long as you remain current with premiums. Here's how it works. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.