No matter how healthy you are today, you should probably invest in some form of disability insurance.  Disability insurance will provide you with 30 – 60% of your present income tax free if you are injured and unable to work.

In many cases, disability insurance is provided by your employer as a standard benefit.  If your employer does not offer this benefit, or you are self-employed, you can purchase disability insurance from a number of insurance sources.  In addition if you have worked and paid into the Federal Social Security system, you might be eligible for Federal coverage as well.

If you decide to purchase disability insurance coverage, be sure to shop around and read the policy carefully.  The cheapest premium rate may not be the best deal since there are wide variations in the terms of coverage between different insurance companies.