Sadly, far too many people face health emergencies at some point in their lives.  Sadder still is that so many of these can be avoided with the right action plan.  In the insurance industry, they talk about hazard and risk.  Hazard is the identification of what bad event might happen.  This could be as wide ranging as being hit by a falling meteor to slipping on the ice.  Risk is the prediction of likelihood of the … [Read more...]