I went to http://riskref.com and I think I found the right site (based on your description of it).

However, after looking at the site I found the description of the service a little vague. I'm not entirely sure if "life-changing disasters" refers to things like earthquakes/tornadoes, stolen identities, or perhaps car accidents?

I basically didn't understand what you are trying to do, and all I see is an e-mail entry form which I'm hesitant to fill-in (because I don't know what I'm signing up for).