I think I should post this here, even though I am not interested in life insurance. Is there an accidental disability insurance policy that pays a large income benefit for someone without income? As it would not include life insurance, and it would have to involve an accident, I would think someone could write a policy that could give someone $5,000 per month until age 65 or 70 if he/she became disabled from an accident. The policy can have a $0.00 life insurance benefit. I saw some policies that would replace income or pay benefits for two years. I am looking for something that requires the insured to earn nothing and will pay until age 65.