Dead Or AliveWhy buy insurance?

Want to live a horror movie? Just imagine you suffer a terrible accident--maybe in a car, perhaps a freak deal where a surfboard collides at full speed with your head--that leaves you not all there mentally. Sound grim? It could get a lot worse if you don't have disability insurance, which puts real money in your pocket to supplement the scant pennies Social Security gives the disabled.

Here's another bad scene: Just as your business is taking off, you die. Don't say it can't happen. It does, and lots of people can be left holding an empty bag. Do you have a spouse or significant other? Did anybody co-sign loans to help you start your business--maybe a parent, a cousin, a buddy from school? Check out, and they may be obligated to foot the payments on your loans.