The Other Sure Thing Though we don’t like to think about it, all of us will make an exit sometime. Are you prepared? Share | Have A Question About This Topic? Name Email Address Question Thank you! Oops! Related Contents When the Unexpected Becomes Reality Disability happens to more people, more often than you may think, and it lasts longer, too. Is Term Life Insurance for You? Term insurance is the simplest form of life insurance. Here's how it works. Disability Income This calculator estimates your chances of becoming disabled and your potential need for disability insurance.