<prompt> Human: So I tried to search for questions about IPI on the search bar, but I had no luck. Basically, I have access to a financial advisor through my parents My dad is a retired cop who worked really hard to manage his money and now has this guy manage it for him now that hes retired. As a favor to my father, the advisor is taking me under his wing as I start my career. I have followed rpersonalfinance for a long time and feel that Im doing many of the right things to be financially comfortable later in life. Speaking with this advisor he recommended I get income protection insurance. I have a long term disability plan through my work payed for by the company that it is my understanding will cover me for 60 of my salary should I become disabled. This money would be taxed however, so I would really end up with like 40 of my salary. The advisor is recommending I get more insurance on my own, this income protection insurance would close that 60 income gap if I get hurt and basically mean that I and my fiancee would get 100 of my salary if I get hurt.Aside from the monthly cost of the insurance, which is normal for any insurance, I dont see a reason not to get it. I mean, sure I may not need it, but that the point of insurance, to cover you for things you might not plan on. Ive just never heard of this kind of insurance before and Ive never seen it talked about on here either. So rpersonalfinance, do you have income protection insurance? Do you think it is worth getting?Edit: fixed a typo  <response>: I dont know a single person with this type of insurance, and I think its absolutely unnecessary. With already having long therm disability, there is no need to invest further dollars into a extremely far fetched what if scenario. Just create a nice emergency fund, and contribute to your retirement accounts, and stay away from plans like this. 