Do You Need Insurance? Starting a family, planning for your child’s education, setting aside for your retirement, going on a world tour – these are moments in your life when you realize you are not just looking out for yourself. And while this can feel overwhelming, it really shouldn't be. You just need to be financially prepared for all this. Having an insurance is one way to prepare for these life milestones. (Poll asks for app permissions from each user. They only collect data that is necessary to identify the voting user.)