There are certain things we don't like to think about. Death, serious accidents and critical illnesses are likely near the top of everyone's lists. While one is inevitable, many bury their heads in the sand when considering accidents and critical illnesses.

Most would say: "I'm safety conscious." "I'll take my chances." "I take good care of myself and am very healthy."

These and similar thoughts might be comforting, but what if? Accidents happen, and critical illnesses can afflict even the youngest and healthiest among us. Further, the shift toward increased employee responsibility for health care costs through consumer-directed and high-deductible plans can lead to gaps in medical and disability coverage, leaving employees unprepared for large out-of-pocket costs. Lost income is another major issue.