Insurance premiums are so high, but people need insurance.  There are many types.  We have health insurance, homeowners insurance, flood insurance, car insurance and life insurance.  Some people have even more than that.

I’ve been looking around at various life insurance companies. I’m trying to decide which company and policy to go with, but the choice isn't easy.
We told them we have already bought many types of investment plans and dont need another at the moment. He told us if we are not keen about this, we might be interested about their key man insurance. Thanks, but no thanks. Gawd…. dont they ever give up???