Around 50% of the time, saving money on a monthly basis and investing in a portfolio of stocks and bonds is enough to reach retirement in good shape. But the other 50% of the time, something will happen along the way, such as an accident, illness or even death. The role of insurance is to make sure that if one of these things happens to you or a family member, it won’t ruin your financial plan. You or your surviving loved ones will still have the money needed to sustain a consistent lifestyle. That’s why at Planswell, your financial plan may include three types of insurance (below) to protect you and your family.