1. Which of the following is NOT a reason that Disability Insurance may be more important than Life Insurance?

   		Disability Insurance will often have a higher capital (lump sum) payout than Life Insurance.
   		The likelihood of becoming disabled during a person's employment years is equal to, or greater than, the likelihood of passing away.
   		When a family's primary income earner becomes disables, expenses may increase.
   		In addition to needing his/her pre-disability income, the disabled person may need special equipment, rehabilitation, or both.