If you're of a certain age you may not have adjusted the way you store your contacts on your phone. If losing your phone has ever resulted in a loss of all your contacts then you need to change the way you do things.
1. Get Google account (Gmail) 2. Store contacts on your Gmail account 3. Add your account to your phone and set it to sync contacts. 4. Make sure all contacts you create in your phone are being stored to your Gmail accont and NOT to your phone/sim.