ILOE insurance can be purchased individually or as part of a group policy through an employer or professional organization. It is an important form of insurance for individuals who do not have access to other forms of income protection, such as employer-sponsored disability benefits.

In conclusion, ILOE insurance provides a crucial financial safety net for individuals who are unable to work due to illness, injury, or disability. It offers peace of mind by ensuring that policyholders can maintain a certain level of financial stability during challenging times, allowing them to focus on their recovery without the added stress of financial hardship.