Disability insurance provides an income if you become, you guessed it, disabled. According to some reports, nearly half of all mortgage foreclosures are due to people being struck with a disability. Are most people taking steps to prevent this? Nope. In fact, less than 15% of life-insurance purchasers opt for disability insurance. Unfortunately, many people become temporarily incapacitated at some point in the course of their lives, especially considering that even a pregnancy can qualify as a disability under some plans.