It's a wise move to have yourself insured for the unexpected. This way if there's any sudden event you can be confident that everything will be handled properly with ease. It's way impossible to get any insurance to work on accident cover or funeral cover by the time it's needed without having been enrolled ahead. This works for most insurance companies and you can just be lucky if you'll find insurance systems like of those covered by the government which accept enrollment with an existing case.
Guardian income insurance can be a brighter option if you want to prepare ahead while you are securely working. Now that the economy is unpredictable, it's safe to insure your income in any case you'll be laid off just like most people. We all know how tough it is to be unemployed and what makes it worse is if you have a family to support.