问答题 During our lives a11 of us are exposed to the possibility of a variety of risk events such as： work accidents，major illness，death，etc．If our finances are vulnerable to the consequences of a risk event，it would be wise to protect ourselves and our dependents against those consequences． This can be done in a number of ways，from taking steps to ensure that we are not endangered to purchasing insurance that would compensate for the financial consequences of the risk event occurring．