When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Share | Have A Question About This Topic? Address Thank you! Oops! Related Contents The Value of Insuring Against Life’s Risks Building wealth requires protection from the forces of wealth destruction. Bank on Your Good Health How to lower your risk of chronic illness Insurance Needs Assessment: When You're Young and Single Even if you’re young and single, you should still consider protecting yourself.