Insurance is a risk management tool that you need to consider.  When you have worked, or are working towards financial security, it is important that you protect it.  There is always a risk of the unexpected to happen and leave you in a position where this security is jeopardized.  Therefore, making sure that you are adequately insured, but not unnecessarily over-insured, is so important. You need insurance to protect you and your family’s health, lives, ability to earn income, your valuables, and your home. Gain an understanding of the terms, types of insurance, tips, and process of getting insured.