If you bought an annuity, you would expect it pay for the rest of your life -- that's how annuities work. If you baought a special discounted annuity that only paid in case you were injured it should. That's not hubris, that's a contract.

On the other hand, I would be very surpised if someone offered 100% salary long-term disability -- the potential for claims at the margin and actual fraud increases dramatically.