There are always unpredictable factors that can, in one moment, upset our daily life. Dealing with a partial or total disability or even death is a challenge, both emotionally but also financially.

When in our daily life everything goes smoothly the situations are manageable. We are able to work and cover any loans or credit card repayments and to plan for our children’s future and education. But when an accident, an incurable disease, or a death suddenly takes away a significant portion of a family’s income, things get much worse.