We buy insurance to prepare for the unexpected misfortunes of life.
Tips
history
From the Yuan-dynasty play 《合同文字》: 天有不测风云，人有旦夕祸福 — 'The sky has unpredictable winds and clouds; people face fortune and misfortune in a single day.' The two halves are usually quoted together.
usage
Sets up bad news — used to soften a sudden tragedy or to introduce why someone is being cautious. Pairs naturally with 人有旦夕祸福.
