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Nice post on insurance. Great job. I think the quote about "In fact, 1 in 4 of today’s 20 year-olds will become disabled before reaching age 67¹ " is kind of alarmist and needs further context. First, the reference provides no information how this statistic is determined. Second, 20 - 67 comprises 47 years. There is a big difference becoming disabled at age 21 versus age 66 . How many of these "1 in 4" individuals are becoming disabled much later in their late 50's or 60's versus their 20' and 30's? I prefer not to see attention grabbing "headlines" in this newsletter. Keep up the good work.

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