Insurance

• One of the main reasons to have life insurance is to cover expenses and debts. If you’re the family breadwinner, your survivors can pay off a mortgage, finance college tuition or avoid working to replace your income.
•  Permanent life insurance policies typically include cash value that increases over time. A portion of your premium funds the cash value, and the money grows tax-deferred. You can withdraw or borrow against the value while you're still alive. 
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Health Insurance saves your hard earned money and also ensure best possible treatment without losing pockets 

• With health insurance, it is much easier for both the patient and provider to focus on prevention and wellness as well as the management of acute and chronic illnesses, leading to better health outcomes and lower costs. By the same token, a lack of health insurance has a reverse effect, leading to more sickness, higher costs and even death.

 You need car insurance because it protects you financially, it protects other people you hit in an at-fault accident, and it is required by law in most states