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 Your DNA Test If your family relies on your income, it’s critical to know what their needs would be in the event of your death. Insurance Needs Assessment: When You're Young and Single Even if you’re young and single, you should still consider protecting yourself. Long-Term-Care Protection Strategies The chances of needing long-term care, its cost, and strategies for covering that cost.