So our client is disabled and about to lose everything. He go's to his attorney to see if anything can be done for him. The first question the attorney asks is if his insurance agent ever mentioned an income replacement policy to him. As soon as the answer is "no"...now what? Income replacement policies are going to grow in importance the more the Affordable Health Care go's into force. It never hurts to review the basics of this insurance product as it protects our most valuable asset.