Insurance agent themselves vouchsafe for own occupation disability policy

On this site managed by an insurance agent, it is mentioned that "My personal belief is that one cannot go wrong when they buy a Non-Cancellable, own-occupation disability insurance policy."
We agree. A private, non cancellable, own occupation disability insurance policy is probably the best (and if you put things in perspective - the only way) to have a shot at having reliable coverage. Group insurance policies are dangerous because they provide the employees with a false sense of security. In some ways, if the employee knows that she does not have a disability policy, she will think twice before making major financial decisions. However, with the 'security' of the ERISA policy, she may tend towards making risky decision based on her hope that the policy will cover her if she is disabled. That leads to a very unfortunate and complex situation in the event of disability (loss of home, kids pulled out from college, no money for medical treatment etc etc). We see this routinely with disability claimants denied disability.