Some insurance may not be needed !

By definition, insurance is the exchange of money with an insurance company for the insurance company accepting financial risk. The litmus test is whether or not the cost of the insurance is worth the exchange of risk. Buying health insurance to avoid the cost of an office visit, probably doesn't pass this test. Buying health insurance to avoid the medical costs associated with a critical illness, such as cancer is definately worth the cost. What about other insurance? Perhaps there are savings by reviewing other insurance coverages. Check this article out - 10 Insurance policies not worth the money.