If Your Most Important Asset is Your Ability to Earn an Income. You should insure your Income. It's easy, and it doesn't cost much.
Think about it... You've probably insured your other assets. Why not insure your income in case you become disabled.
Money For Expenses... You'll need money for regular expenses such as: Food, Clothing, Mortgage or Rent, Utilities, Car payments, Credit Cards, Insurance, etc.
Extra Expenses... In addition, there will be extra expenses associated with your disability.
Inexpensive Premiums... Disability income insurance is surprisingly inexpensive. The cost to cover a mortgage or car payment is fairly nominal, and can be afforded by most of us.