Life Insurance Facts
Life insurance should be called death insurance, because that is what you are really insuring or protecting against. If you have debt, or have children, you really need to have life insurance, so they are not left in the lurch should you unexpectantly pass away while they are still minors and in your care.

Automobile Insurance Facts
Automobile insurance covers you should you be in a car crash, or hit something with your car. Not all car insurance covers the cost of repairing the car, which seems implied in the name. To cover the car repair, you need to include comprehensive coverage.

Health Insurance Facts
Health insurance is a touchy subject in America right now, because so many people are not covered, and it costs a lot of money if you get hurt or sick. Speaking from experience, even with decent health insurance, my bills out of pocket for a recent bout with cancer were over $10,000 in each of two consecutive years. This does not count the lost income from me being in the hospital or chemo ward and not being able to work or get paid. Our health system is broken, but everyone knows that already.

Homeowners Insurance Facts
At a minimum, I recommend carrying some form of what is referred to as catastrophic loss insurance. It may not cover the trips to the doctor for a flu shot or antibiotics, but if something serious happens (like cancer, which will hit one in three people), you are covered.

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