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Disability insurance is specifically designed to provide financial support to individuals who are unable to work due to a disability. This type of insurance replaces a portion of the policyholder's income, ensuring that they can maintain their financial responsibilities despite their inability to earn a paycheck. It typically covers various disabilities, whether physical or mental, and offers crucial financial stability during times of unexpected health challenges.

Life insurance, on the other hand, pays out a sum to beneficiaries upon the policyholder's death, and is not relevant in situations where one is unable to work due to a temporary or permanent disability. Home insurance protects against damages to one's property, while auto insurance covers vehicle-related incidents. Neither of these options addresses income loss due to an individual's inability to perform their job duties, making disability insurance the only appropriate choice in this context.