Successful risk management planning is about making sure that you are protected against unforeseen events. Life happens, and you want to always make sure that you and your family are protected.
Your largest asset is your income. This is where disability insurance is critical. For medical issues, you need to have the proper coverage. If you were to pass away prematurely, would your family be able to sustain their standard of living?
These are some questions that a good advisor can discuss with you. A good plan can weather those bad storms!