We all agree that the insurance business is there to help people who are really in need. It is interesting that most people are happy to buy insurance for their cars, house contents, and the like, but neglect the need to insure their own ability to earn. The prices they pay for these insurance products are quite similar. However, the loss of the ability to earn significantly outweigh the costs of replacing a car and house contents. The numbers in the picture show that how big the risks the human beings are facing. Have you asked yourselves the question that how you are planning to manage risks?