Which of the following best describes an unexpected life event?

Unexpected life events are those occurrences that happen without prior planning or prediction, often catching individuals off guard. This correct choice accurately captures the essence of what defines an unexpected life event—its inherent unpredictability. Such events can range from personal experiences like accidents or sudden changes in health, to broader societal factors like natural disasters or economic downturns. These types of events can have significant emotional, financial, and social impacts on individuals and families, often requiring them to adapt quickly to new circumstances.

The other options describe scenarios that involve some level of planning or predictability. A planned and organized occurrence signifies that individuals have control and foresee the event's occurrence, while routine daily activities are regular parts of life that are expected and anticipated. A scheduled family gathering also points to a deliberate arrangement that typically involves family members coming together at a predetermined time and location. Thus, these options do not fit the definition of unexpected life events, as they do not embody the unpredictable nature that characterizes such occurrences.