Possible Clues:

• __ insurance
• Harsh sentence
• It's what happens when you're busy making other plans, as John Lennon observed
• 'What is ..., if full of care, we have no time to stand and stare?' (Davies)
• Period of effectiveness
• Spirit
• See 11
• "I have but one ___ to give for my country"
• Biography topic
• Kind of insurance