If you need a particular type of insurance, it is better to have it even if you never use it. The hard part is knowing the difference between insurance you need and insurance you are better off without. Many people purchase insurance without knowing whether they need it or not. Unless you fully understand insurance, you may be wasting money on insurance products you don't need.

Status and Revision History
Published on Apr 12, 2017

Joan Koonce Professor & Financial Mgmt Specialist, Family & Consumer Sciences
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