As a health insurance agent, you play an integral role in helping individuals secure a variety of health insurance and ancillary benefits. But one type of coverage that’s often overlooked by agents is disability income insurance. According to Mutual of Omaha, “51 million working adults in the U.S. don’t have disability income coverage,” while only 40 percent of households have sufficient liquid savings to cover three months of expenses. An even more shocking statistic is that “one in four workers can expect to be out of work for at least a year” due to a disabling condition before retirement age. Clearly, the need is real.