Long-term disability insurance pays benefits if you remain unable to work beyond the short-term period due to ongoing illness or disability. It may provide income until you reach retirement age. Critical protection.

With whole life insurance, you get permanent protection for life as long as premiums are paid. It also builds up cash value that you can borrow against or withdraw. Premiums are more expensive than term insurance since coverage is lifelong. Whole life is ideal if you want lifelong protection plus a savings component.

Short-term disability insurance provides income replacement if you become unable to work for a short period due to injury, surgery, severe illness or other medical events. It covers partial to full income replacement for typically 3-6 months.

Own occupation disability insurance pays if you cannot work in your specific job or profession even if you could work another occupation. It offers more generous benefits tailored to your actual career.