While we plan how we spend our money and establish future objectives, we have made significant progress toward regaining financial control over our lives. Nevertheless, unforeseen or unpredictable things can happen that seriously hinder our ability to carry out the plans and objectives we have set for ourselves. A family member getting sick, a car accident, a fire, a burglary, a natural disaster, etc. are just a few of the risks we face every day. Even though we are powerless over these risks, we can make plans to deal with them in order to safeguard our families, our property, and our businesses.