Disability Income
Also consider the fact that illness causes 90% of disabilities, and most long-term disabilities are not covered by workers’ compensation. You could be financially vulnerable if they suffer from a disability.
What is your most valuable financial resource? (What is it worth? Is it protected?)
If you no longer received a paycheck, what sources would you tap into to pay your bills?
How long could you survive without your income?
What do you think your chances are of becoming disabled?