by Natalie Chambliss | July 1, 2025
Warren was a devoted friend, rancher, and family man. After a tragic horse-riding accident and a terminal cancer diagnosis, his time was cut short far too soon. But thanks to the life insurance he put in place, Warren’s family had the financial support they needed—and his daughters’ futures remained full of possibility.
by Natalie Chambliss | July 1, 2025
Steven was a devoted husband, a proud father to five beautiful daughters, and the heart of his family’s business. He never could have imagined that a simple cough would reveal stage four lung cancer. But because Steven believed in planning for the future, his family had the security and stability they needed when life took an unthinkable turn. His love—and his planning—continue to protect them.
by Natalie Chambliss | December 5, 2024
“ Long-term care insurance allowed my mom to focus on spending time with my dad during his final days without the overwhelming responsibility of being his caregiver.”
– ANITA SABAN
daughter to Joe and Jan Saban
Independence was very important for Joe and Jan Saban as they aged. Enter long-term care coverage.
Joe was able to receive care at home, and eventually at an assisted living facility, when dementia took over his life. And just a few years later, Jan’s insurance gave her peace of mind when she was diagnosed terminal ovarian cancer.
Through it all, long-term care coverage provided the couple with what they valued most: choice. Their planning protected the assets they had worked a lifetime to accumulate, allowing their financial legacy to continue on for their children and grandchildren.
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by Devin Pascoe | May 18, 2023
Fast forward to today—“The years have brought an increased resonance of how vital and important it truly was to have the freedom and time to make decisions and how grateful I am to have had those options,” says Dean Hoskins. Hattie is now married and in a job she loves. Dorsey is also married with two young girls and is busy running a business.
Updated in May 2023
Dorsey Hoskins’ father, Bryan, felt a tingling in his arm. The diagnosis—an inoperable brain tumor. Six months later, he died at the age of 33, leaving his wife to raise Dorsey and her sister Hattie.
Fortunately, Bryan bought life insurance when he married, and again when his daughters were born. Thanks to Bryan’s foresight, Dorsey, Hattie and their mom are taken care of.
by Devin Pascoe | March 30, 2023
Eleven years ago, Mike Sizemore was living two of his dreams. Ever the athlete, he was training to participate in his first marathon, and he was enjoying a new position at a nonprofit organization. After years of study and earning his master’s degree in public administration, he felt prepared to start his life’s mission of helping others.
Suddenly, both of those dreams came crashing down as he crossed the street one night, and a drunk driver hit him after running a red light.
Life Happens first met with Mike in 2015, three years after the accident. We recently had the opportunity to follow up on his story.
“Disability insurance is so important because we really don’t know what’s going to happen next—in the next moment, day or week.”
Mike was out with friends in Washington, D.C. As they were walking across the street, a drunk driver ran a red light at high speed and hit him.
His injuries were so severe, including major head trauma, that doctors were unsure if he would survive. He was placed in an induced coma and his parents rushed to his side.
There were countless surgeries to treat his head injuries, repair his shattered legs and address the multitude of other injuries he suffered.
Through strength, determination and a lot of rehabilitation, Mike improved immensely, including being able to walk and talk again.
“I was so badly injured—fractured skull, separated shoulder, shattered legs—that doctors weren’t sure I’d live. The accident changed my whole outlook on life.”
Mike had disability insurance when he needed it most.
Disability insurance has given Mike his financial freedom. The policy he had at the time of his accident a decade ago continues to help him today.
It replaced a significant portion of his income in those early years when he couldn’t work at all, helping him pay bills, rent and afford to keep his truck.
And because of his traumatic brain injury, he’s still not able to work full-time. His disability insurance supplements his income now, allowing Mike to do all the things that would have been out of reach without it.
“My fiancée and I just bought a house, and I’ve been able to give my son the childhood he deserves. Disability insurance has been a lifesaver.”
“Don’t think that it can’t happen to you. It comes down to the simple fact that if you work and rely on your income, you need disability insurance.”
Have you benefited from insurance?
Submit your story and help more people get the coverage they need.
