Don't you just love it in the movies when some fearless, flinty-faced hero (or perhaps one with a cape and a mask) grunts that there are "worse things than dying"? It's typically the all-or-nothing moment as we head towards a white-knuckle finale.

I don't know about "worse than dying", but let's just say we should certainly think about some other risks besides death - it's not the only thing that can happen to us personally during our working lives. Any of these could derail us from reaching our goals: we might be temporarily disabled (unable to work for up to six months), permanently disabled, or come down with a critical illness. That would obviously make it hard to earn a living and build savings.

It used to be that all people bought (besides protecting their stuff through property, contents and car insurance) was life insurance. We're way past that now. There's been a shift to living benefits, and these days it's increasingly important, for example, to have income protection.

If you're wondering what insurance you really need, disability and illness are worth looking into. Just how likely are they to happen?

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You may be surprised. Have a look at these helpful tables from Quotemonster, a platform insurance advisers use. These stats are for people during their working lives, ages 18 to 65. First, the one for non-smokers:

And then for smokers:

Do these numbers surprise? Some do for me, such as that one in four non-smoking couples will experience a temporary disability (27 per cent) or critical illness (25 per cent) during their working lives. Or that close to half (46 per cent) of business partners will have one in a team of four become permanently disabled. Now that needs insurance.

Remember: risks are anything that might derail us from reaching our goals, especially the long-term ones. As we explore our insurance options online or with insurance advisers, we need to keep the big risks front and centre and make sure we're covered.

There are far more benefits to the right insurance than just a death benefit. When you're covered for the main risks, even if you never have to make a claim, there's valuable peace of mind.

Let's leave the white-knuckle finales for the movies.