Disability insurance protects clients who are injured and unable to work, but missing only a few years of contributions can leave retirement accounts underfunded. Retirement-contribution protection is designed to protect retirement accounts by continuing contributions, even if the owner is unable to make them.

Policies purchased through an employer continue receiving contributions from the employer. With individual policies, the insurer sets up an irrevocable trust that can either pay a lump sum, or be used to purchase a lifelong annuity, at retirement age.

Read more at the Wall Street Journal.