Had all of us been specially gifted to be able to predict our futures, we could plan life accordingly. If we only knew when and where we will face an accident we could either be cautious or maybe avoid being on the road altogether.  But the fact is, we cannot predict our future.  It would just be a guessing game. 

One big way to plan for our lives is to invest  in insurance policies.  There are many from which you can choose from which is outlined in this site.