FIG. 1 is a front elevational view of the underpants with disposable insert showing my new design;

FIG. 2 is a rear elevational view of the underpants with disposable insert thereof;

FIG. 3 is a left-side elevational view of the underpants with disposable insert thereof;

FIG. 4 is right side elevational view of the underpants with disposable insert thereof;

FIG. 5 is a top plan view of the underpants with disposable insert thereof; and,

FIG. 6 is a bottom plan view of the underpants with disposable insert thereof.