Insurance can feel confusing, especially if you’re not sure what type you need or how much coverage is enough. To make things simpler, here are straightforward answers to some of the most common insurance questions people ask.

Do I really need life insurance if I’m young?

Yes — and here’s why. The younger and healthier you are, the cheaper your premiums will be. Even if you don’t have kids yet, life insurance can cover debts, student loans, or funeral costs. Plus, locking in a policy early means you keep affordable rates for the long term.

How much health insurance is enough?

It depends on your situation, but a good rule of thumb is to make sure your plan covers:

• Emergency care and hospitalization
• Preventive care (checkups, screenings)
• Prescription drugs
• Specialist visits

You don’t want to pay for coverage you’ll never use, but you also don’t want to be underinsured when something serious happens.

Is travel insurance really worth it?

For short domestic trips, maybe not. But for international travel, it’s almost always worth it. Medical care abroad can be expensive, and travel insurance can save you thousands if you need emergency care, evacuation, or if your trip gets canceled unexpectedly.

What’s the difference between term and whole life insurance?

• Term life insurance: Coverage for a set number of years (10, 20, 30). Lower premiums, simple, and great for families on a budget.
• Whole life insurance: Coverage for your entire life. Higher premiums, but it builds cash value you can use later.

The right choice depends on your goals and budget.

How often should I review my insurance policies?

At least once a year — or whenever your life changes. Marriage, kids, buying a house, or starting a business can all change your coverage needs. Regular reviews ensure you’re not paying for coverage you don’t need or missing protection you do.

Final Thoughts

Insurance doesn’t have to be complicated. By asking the right questions and reviewing your policies regularly, you can make sure you’re protected without overspending.

👉 Still unsure about your coverage? Get a Free Insurance Quote and talk through your options today.