I never even heard the phrase "bus insurance" (what to do if you get hit by a bus) until 2007!

I've been hiding under the bed when it comes to both this sort of planning and assembling a "go bag." I'm firmly convinced that if I put my fingers in my ears and sing la la la nothing bad will happen to me. I recognize there are better ways to face my fears, and lb_lee's guide is a great way to start.