Self-employed workers can - and often should - buy disability insurance. Prioritize own-occupation definitions, choose elimination and benefit periods that match your savings, and consider business-overhead coverage to protect ongoing expenses.
Self-employed people lack employer benefits and should consider credit life (loan protection), individual life, and disability insurance to protect income and debts. Compare lender offers with standalone policies and check insurer ratings before you buy.
Mortgage disability insurance can cover mortgage payments if you become disabled, but coverage limits, definitions of "disability," waiting periods, and exclusions vary widely. Read the policy and compare alternatives like SSDI, state programs, and employer disability plans.