- At age 27 = 2.7 times greater
- At age 42 = 3.5 times greater
- At age 52 = 2.2 times greater
By David S. Bross, Esquire While most Americans insure their lives and material assets, like their homes, cars, etc., many overlook the need to protect their most valuable asset — the ability to earn an income. According to Kenneth Podell, CLU, a financial advisor with Mass Mutual, insurance claims studies indicate that the odds of becoming disabled for 90 days or longer are much greater than dying during one’s work years.