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In his research, Dr. Finke explores why private individual disability insurance is uniquely designed to protect income and mitigate the loss of expected future earnings. Northwestern Mutual commissioned Michael Finke, PhD, CFP ® to better understand how significant the risk of disability can be, particularly for those with higher earnings. Using three case studies, this research paper visually shows the significant financial risk even high-net-worth clients may have when faced with a disability, and the impact that disability can have on their overall financial plan and goals. It also quantifies the value of using long-term individual disability insurance (IDI) to mitigate risk exposure within an integrated wealth management plan and who could benefit from disability income insurance (DI) to protect their income and future earnings.

Download the DI Research.