Life has a way of throwing surprises at us. We cannot often prevent when the unexpected happens, we can prepare some protection. Insurance helps to keep us protected financially, should bad scenarios occur.

Following are four insurance policies that most financial experts recommend that we all have: life, health, car, and long-term disability. Get help from Insurance Brokers Bath at a site like

Life Cover

The biggest benefit of this insurance includes the ability being able to cover the cost of a funeral and care financially for your family. This is vital if they rely on what you earn to cover the bills.

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Health Insurance

Statistically, you and your family are just one serious illness away from bankruptcy, according to a study published by the American Journal of Public Health in 2019. This fact alone should give you an incentive to obtain health insurance or increase your coverage. Check if you have employer health insurance or through a trade organisation for employee health coverage. If that’s not an option, you might want to consider buying private health insurance.

Long-Term Disability Coverage

Long-term disability insurance is one type of insurance most of us think we would never need. However, consider what would happen to you and your family if you don’t financially protect yourself for the possibility you might be off work for months or maybe not be able to work again.

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Car insurance

If you drive without car insurance and have an accident, the cost must be paid for by you, as well as getting into legal trouble. With insurance, if you, the passenger, or the other driver are injured in the accident, car insurance will cover the cost and help protect against litigation that may arise from the accident. Your vehicle is also protected in the case of theft, vandalism or natural disasters.