(Money Manager) - Life insurance is something a parent will tell you is a must. Try paying a doctor visit, not to mention an emergency-room visit, without health insurance. The law requires auto insurance, which is a good thing given the number of accidents per year. Insurance is a staple, but how much we pay for it is another question.

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(Money Manager) - Everybody needs insurance; auto, home, health and life. The problem is which kind of policy of each is best for a particular person's situation. You could always just call an agent and go along with whatever he recommends. That's the easy way and unfortunately maybe the most expensive way.

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