Everyone needs insurance to help protect them, and their family members, from financial loss when something unexpected happens: We need health insurance to help pay our medical bills when we’re sick or injured. If we’re unable to work due to an extended illness, disability income and supplemental insurance can help replace our lost wages and fill some of the gaps in our health coverage. When we pass away, final expense policies can cover funeral costs, doctor bills, and more, while life insurance can provide long-term security for our loved ones.