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| It is important to know what the insurance is for. For example, life insurance is for your life, insurance company pay to your beneficiary after you are dead. Medical insurance pay for your doctor's visit, hospitalization, medications, etc. and car insurance is for liability in case your car got into an accident and you are liable. Depending on what you think is important to protect, you pay premium of that insurance to reduce the risk. When my kids are grown up, I don't need life insurance no more because they don't need my support if I died. On the other hand, my wife might need it, so I still have a small amount of term life insurance. ... |
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