Insurance and unexpected events
While you can't stop unexpected events from happening, insurance can help you prepare for them.

If there's one thing in life that's certain, it's that plans can and will change. Unexpected expenses and events may be inevitable, but they don't have to derail your financial goals. With a little planning, you can be better prepared for life's ups and downs.
Start by exploring the questions and guide below. Then take the recommended steps – if you haven't already.
How much should I save for emergencies?
To help you figure out how much you should have in your emergency fund, think about your family's ongoing needs and expenses.
Your guide to choosing life insurance
Discover which type of life insurance is best for your family and learn an easy way to calculate how much you need.
Are you in control of your legacy?
Establishing your estate is simply not something that can wait – by taking the time to prepare your estate strategy now, you can help ensure some comfort for the future.
Funding your legacy with life insurance
Life insurance can offer more than just protection for the unexpected. It also can help you accomplish your legacy goals.
What should I prepare for now that I'm retired?
We can help you with the right strategy, so you can avoid dipping into your retirement savings to pay for unexpected expenses.
How can I prepare for medical or long-term care?
Before you can address these costs, it's important to understand what Medicare and other insurance may cover.
Is life insurance through work enough?
Employers usually offer coverage that is designed to accommodate all employees – and life insurance is definitely not “one size fits all.”