My brother had a tendency to over react.  He was reading some statistical information on the probability of an incapacitating on the job injury and then proceeded to panic as he hurried through page after page of research until he found the statistics that directly related to his particular occupation.  I was surprised because not only was I unaware that he cared about that kind of thing, I didn’t know that he could process all of that information so quickly.  He was incredibly tense about securing income protection insurance as soon as he could.  He didn’t even take the time to tell me he was insulted by my underestimation of his intelligence.  I was so impressed by his zeal that I thought that perhaps I should check out a policy for myself.  I certainly don’t want my family to have to endure any hardship should I be unable to work.