Protecting your ability to earn income at older ages !

We have successfully created insurance solutions for the mature work force . A number of individuals have left their employment and now continue to work as consultants while earning at times greater income then when they were employees . Take an example of a Senior partner of an accounting firm who retires before age 65 and decides to consult to various corporations . Now this accountant is 62 years old making well into 6 figure income and realizes that his earnings are no longer protected as the group policy Long Term Disability coverage was gone when he "retired " as a partner  from his firm . What should he do to protect himself ? Disability Insurance or Critical Illness insurance ? After completing a thorough analysis of the situation , Critical Illness was secured to cover potential loss .