In 2012, the Denver Broncos signed an injured, aging quarterbackwhose future was very much in doubt. At Peyton Manning'sintroductory press conference, John Elway was asked about hisbackup plan in case the risky move didn't go well. “I don't have aPlan B,” Elway said. “I'm going with Plan A.”

Plan A paid off last year with the Broncos winning it all —Elway's lack of a contingency plan was rewarded in a big way. Butthere's a reason their season is labelled as a storybook ending —this approach rarely works in real life.

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Paul Wilson

Paul Wilson is the editor-in-chief of BenefitsPRO Magazine and BenefitsPRO.com. He has covered the insurance industry for more than a decade, including stints at Retirement Advisor Magazine and ProducersWeb.