Your most important asset is your health.  Your ability to earn an income and support your family is your dearest asset.  You can have years of hard work and financial discipline go for naught due to an unexpected illness or injury. 

When putting together your financial plan, it is important to understand existential risks and their threat to your savings, retirement, even your present quality of life.  There are insurance products available that can help protect you and your family from illness and accident.

Critical Illness Insurance pays an individual if they suffer life threatening illness like cancer, heart attack, stroke, multiple sclerosis, dementia, etc.

Disability Insurance pays an individual if they are sick or injured, and thus, unable to work. 

Health and Dental coverage plans take the uncertainty out of personal maintenance and well-being.