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? Name Email Address Message Thank you! Oops! Related Contents Accidents Accidents happen to everyone. We’re here to help. Keep Your Umbrella Handy Umbrella liability can be a fairly inexpensive way to help shelter current assets and future income from the unexpected. Protecting Those Who Matter Most The importance of life insurance, how it works, and how much coverage you need.