Income Replacement Insurance was accomplished after observing the astounding disability statistics. During any accident, there are more chances of disability over death. This makes it obligatory to have Income Replacement Insurance that will restore your earnings, where they would have been had the loss not occurred. But disabilities during self-inflicted injury, in war or any act of war; active full-time service in the armed forces, committing or attempting to commit an assault or criminal offense are not taken into consideration. Daya Insurance provides you with all such information which will make you aware of all the important things that have to be considered. The experienced staff at Daya Insurance will help you to have the best suited quote that will be of great help in the long run.