We can't predict the future, but you can protect yourself against it financially through a life insurance policy that meets your needs and those of your family. An unexpected loss of physical ability, or even life, can leave your family suffering financially in addition to the emotional trauma.
Insuring yourself against a loss of income or earnings ability allows for you and your loved ones to continue maintaining your quality of life, protecting your standard of living and meeting your financial obligations if you are unable to work.