Considerations for New Insurance Policy?

[beanhead]

On disability insurance, I chose this one:

https://www.lifenet-seimei.co.jp/product/disability/

I got a policy until 60 years old, since I am pretty sure I will work until that age.
If you have the assets to take care of your family if incapacitated, of course you don't need this insurance.
For the rest of us, I think it is necessary, especially if you have children.