For many people buying insurance is a no-brainer. What I mean is most people tend to think in limited terms about what insurance they really need. 98% of people who purchase insurance purchase whatever policy is recommended by the agent or by the policy seller.
And a good 90% of those people have no idea if it is truly the coverage they need. We as an insurance buying society have become complacent about how we buy insurance. Only when disaster strikes and that insurance is needed, do most of us find out we were faulty in getting the proper policy to cover our needs sufficiently.
Heres the deal, insurance companies are in the business of making money, not giving it away. They gamble that when you buy insurance, they will collect premiums for a very long time and never ever have to pay you a dime in claims, thats the dream scenario at least for the insurance company. In the real world, disaster does strike, and accidents do happen, and your insurance company knows that especially well. And just like the big Las Vegas casinos they manipulate the game rules so the odds are in their favor. If you think thats not true, you need to read carefully the fine print...
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