But there are various coverage options, and lots of economic specialists will say you want to have them all. It may be hard to decide what coverage you surely want.

Purchasing the right type and amount of insurance is always determined by your specific situation.

Factors such as children, age, lifestyle, and employment benefits play a role when you're building your insurance portfolio.

There are, however, four types of insurance that most financial experts recommend we all have: life, health, auto, and long-term disability.

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