Which of the following is an example of a personal risk?

Illness or disability is classified as a personal risk because it directly affects an individual's health and ability to function in daily life. Personal risks encompass situations that pose a threat to someone's well-being or financial security, particularly in relation to their health. An illness can lead to medical expenses, loss of income, and emotional distress, thereby significantly impacting a person's life.

Driving a car, while it does involve risks, is more related to operational or transportation risks rather than personal injury itself. Market fluctuations in investments pertain to financial risks tied to the performance of investment assets, affecting only the financial aspect and not the immediate health or personal safety of an individual. Similarly, natural disasters can be considered property or environmental risks because they impact property and assets rather than the individual personally. Each of these alternative options addresses risk factors outside of direct personal health, which is what makes illness or disability the defining example of a personal risk.