Be prepared for the unexpected
This is GREAT!
Reminds me of a questionnaire in response to a project proposal and request for funding. Can’t remember the details of what the project was about or where I heard about it, but one of the questions was:
What unforeseen circumstances can you foresee?
Be prepared for the worst, you can’t be too careful, ensure your family is protected with supplemental life insurance 
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Good post, thanks. Can you tell us about the third paragraph more?