If you get term and/or LTD make sure you read the fine print and understand what is NOT covered. I was lucky and bought the right plan. The mortgage LTD will only pay out if your in the hospital 6" into the grave. Who needs LTD if you croak within a year of disability.

You need coverage for situations where you can no longer do what you were employed as for the last 3-5 years.

I was a programmer. Today I can walk talk and drive my car and truck. However, my inability to do fine motor skills and fatigue ... yada yada ... make it impossible for me to do IT work like I did before.

Get a good insurance agent to help you.