Insurance is one of those intangible products that we all need to have, but hope we never need to use. It is a reality that accidents and sicknesses do happen and they can sometimes arise unexpectedly. Unforeseen tragedies can leave you and your family facing tremendous emotional grief and stress. Most of your livelihood depends on your financial structure to enjoy a decent standard of living, which is why having insurance in place is especially important once you start a family. It means the people who matter most in your life can be protected from financial hardship if the unexpected happens such as illness, injury or permanent disability, even death. No amount of money can replace your health and wellbeing but, having the right coverage in place can reduce your stress during difficult times and give you and your family peace of mind.