You Work for the Money

Having a Job Is not Secured

No matter how high your Salary would be.
Your still Not secured.
Why. because you are just working to earn.
If you don't work, you won't Earn.
Or worst case, if the only Head of the Family Dies.
There would be No money to supply the
 neccessities needed by the family left.

Is the family left capable of living on their own?

Worst cases should be planned to be prepared
of whatever could happen.
Loking forward and mitigating the risk is
a Safety Officer's Role. You are the Safety Officer
of your own Company, Your Family.