Which insurance product provides income for individuals unable to work due to accident or illness?

Disability insurance is specifically designed to provide income for individuals who are unable to work due to a covered accident or illness. This type of insurance helps replace a portion of a person's lost income, ensuring that they can cover their living expenses while they are unable to earn a wage.

In contrast, property insurance protects against damage to or loss of physical property; life insurance pays a benefit upon the death of the insured but does not provide ongoing income during the insured's life. Health insurance covers medical expenses but does not typically provide income support for lost wages due to being unable to work. Therefore, disability insurance uniquely addresses the need for income replacement in the event of temporary or long-term inability to work due to health-related issues.