Steve Savant, host of the Business Insurance Zone and national financial columnist.

Everyone needs life insurance in case you’re not here. But the odds are you’ll still be here. So protect the here and now. Protecting the here and now means insuring your lifestyle against life’s unexpected setbacks like disability, because the odds are you’ll be here after your disability.

Protecting the here and now means being ready if you experience a catastrophic event because the odds are you’ll recover but you may need assistance because you’ll still be here. Protecting the here and now means being prepared in case of a chronic illness because you’re still here and you’ll need help during your downtime.

Protecting the here and now means being secure with long term care in your golden years, because you may be here for a long time. So protect your lifestyle by protecting your money from life’s unforeseen mishaps.

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