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Billie Said:

For a single male, at what age is a disability insurance policy probably no longer necessary?

We Answered:

If I qualified for a DI policy when I was young - having gotten a low level premium - and kept it in force all those years, why would I want to stop paying on it prior to leaving the work force? DI insurance replaces income if I can't work. The only reason to drop it would be if I no longer needed to protect my income against loss due to disability. Another reason might be that my "unearned income" (rentals, dividends, etc.) had become sufficient to sustain lifestyle should I not be able to "earn" income. But, if I or my family depend on my earning ability and I have an inforce DI policy, I would keep it in force.