Your ability to earn income is the most important asset you have and needs the best protection in the event of illness, accident or permanent disability. People are of the opinion that Lumps sum Disability alone is sufficient to cover future loss of income but it is not the case. Compare Lumps Sum Disability provision of R1 000 000 of a person at the age of 25 who earns R20 000 per month who becomes unfit to earn income. This person will probably work to the age of 65 and if we do the calculation, without considering inflation, will need at least R9 600 000 over a term of 40 years to replace his income.