Why insurance isn’t usually an investment - coverage often doesn't grow wealth, it’s treated as expense, and mostly protects against loss.

Many people overpay for auto insurance. They can go years - even decades - without getting multiple quotes. Insurance is highly regulated. Its quality largely depends on the coverage and financial strength of the insurer. The agent down the street may cost a lot! Trust everyone but cut the deck.

How disability insurance protects your income - covering own-occ vs. any-occ, payout %, employer vs. individual, and family needs.