Just today, I entertained a salesman who gave me a dozen life insurance rates. During our conversation, I realized that life insurance have taken a number of forms. Riders have been introduced to include various forms of medical reimbursements, sick bay allowances, etc. Our environment today is much different from what we had yesterday. It had become more dangerous and most of all expensive. Therefore, there is nothing but preparing for huge eventualities. Indeed, prevention is much better than cure.