Both males and females are more likely to suffer a disability than die at an early age. Many employers offer this important coverage, but if your does not, you should consider purchasing the coverage on your own.   Think of how your family will survive if your income is suddenly discontinued.  Mortgage payments, medical expenses, food expenses  etc. will continue even if you are no longer able to work.

Since many companies offer this important coverage, you should compare several before making a decision. 
A main consideration is the definition of a disability.  Be sure to compare companies and look for one that describes a disability as "unable to perform the duties of your current occupation".