Unless you’ve got a giant room of money to swim in, then it’s entirely likely you would struggle should you suddenly not be able to work and hence, earn an income. (If you do have a room of money, any chance we can come for a visit?).
If you were ever to suffer from a major traumatic condition, such as a heart attack, life threatening cancer, or stroke*, then an “I need money now” plan can make sure you’re not left in the lurch, providing you with the money you need, right away. It’s basically like a real-life way of knocking on wood to protect yourself against the worst!
The one thing all these policies do is help to ensure that you’re not left with an empty wallet at a time when you need it overflowing.
*As specified in your policy document