Without barely a moment's thought, you would protect your family from an immediate threat. But would you make a plan to protect them from one in the future?
It's easy to respond to problems in the present, but it's much more difficult to look ahead with the same urgency, especially for situations we would prefer not to think about. When an unpleasant scenario unfolds, will you be ready?
Every risk management question begins with "what if?" What if you suffer a debilitating injury? What if you are injured (or worse) in a car accident? What if your family member develops a serious illness? These are all terrible events, so obviously, no one wants to think about them. But I can tell you one thing with certainty: It's much easier to think about it now than it is during the moment in happens.
No one can force you to adopt the mindset of risk management. That is a personal choice you must make on your own. It requires initiative and a sense of responsibility.