Every financial advisor knows this moment. You've built a plan that makes sense on paper — retirement contributions, an emergency fund, maybe college savings, a mortgage payment that already stretches the monthly cash flow. Then disability insurance comes up, and the client's face changes. It's not that they think it's a bad idea. It's that there's nothing left in the budget, and DI is the newest name on a list of things already fighting for the same dollars. This isn't a sal