Insurance is not one size fits all
Do you need insurance?
Whilst the answer for most of us is yes, for some form of insurance, depending on your age, stage and situation, the answer may be no.
Everyone's different. Different businesses, jobs, debt, income, housing and family situations, it's definitely not one size fits all.
We're all concerned about different aspects of our lives, and prioritize our protection differently.
For example, a young family may be more concerned with protecting their income than protecting their house contents.
Or an owner of an IT business may be more concerned with losing a key staff member to injury or illness than the effect of an earthquake.
The aim of insurance should be to support you and your family, in the most effective way.
The best way to do that is to discuss your situation with a professional, and have them help you prioritize a bespoke insurance to fit your specific needs and budget.