Disability Life Insurance - Extreme ICBC Case

I've been a life insurance broker since 2012. Recently I learned of the shocking case below which really highlights the need for a comprehensive disability policy

1. Car accident 5 years ago
2. Makes 6 figures as a self employed Electrician
3. Does not have private disability insurance
4. Qualifies for $900/month CPP disability only
5. Barely walks
6. On opioids pain killers
7. Looses his house in Burnaby
8. No longer in contact with wife and kids
9. Lives in a $700/month basement suite in Chilliwack
10. ICBC finally paid out $1.4 million 4 months ago

....This is all from a car accident. 

He went from $150k/year + to $10k/year income.  

It took ICBC 5 years to pay out this claim, in the mean time he was on his own.  He only qualified for $900/month government support.  

He lost everything.  

If he had a high quality disability policy from Canada Life, Manulife or RBC Life for approximately $250/month, he would have had a $5000/month to $6000/month income untill age 65 or till death.  

If you are self employed this should scare the heck out of you as it did for me.  

I will continue putting life/critical/disability insurance into our mortgage conversations.