How often have you heard or read about a plea for help when tragedy befalls a family? I see it all too often. And it’s great that such a service exists for some people for which I have great sympathy. However, we owe it to ourselves and families to anticipate the potential realities of unexpected death, disability or critical illness. There is a great tool available to most of us to offset the ugly outcomes of these realities in the form of insurance. Don’t leave it to the goodwill of strangers, protect you and your family by preparing for the worst, while living your best.