Any of you guys carry disability insurance on yourselves? Like Aflac or that sort? Something to protect you if you get injured and are unable to work? I recently increased my personal liability coverage. I had 250/500k on autos, plus my home owners. Dropped auto and home to 300k max, with a 1mil umbrella on top. Ended up costing me about 700-800 LESS, with more than twice the coverage.