[bluewater]

On a different note, if anyone out there has experience purchasing disability insurance, I'd be interested in knowing what it is and how much it costs. As far as I can tell, there are no online sources that provide free quotes unless you call someone and give them all your info. Not a bad thing, but I haven't been motivated yet because I hate sharing all that information with salespeople.

We would consider purchasing disability insurance if it is not cost prohibitive. We have no life insurance because we are both relatively young, educated and able earners with good skills. And we don't have children. But I did just talk myself into a $5/month, $25,000 accidental death policy that covers both of us, just because such an incident would bring instant trauma that would be ever-so-slightly calmed by knowing the costs involved (any sort of transport, funeral home, cremation, last-minute flight, possible boat storage, etc.) would be completely covered and then some.

I'd be interested in hearing from anyone about disability insurance or some type of accident-specific insurance. Being healthy people (knock teak) we can still imagine the possibility of being sidetracked by a catastrophic illness or by a sailing or skiing-related accident. Trying to be safe and cover all our bases!