As a kid growing up in the United States I remember hearing around the streets that insurance was the biggest business in the world. It was known that the insurance industries were handling the most business and money of any other industry. I am not up to speed today in 2007 but I am pretty sure it’s still rated in the top 5 industries. Life insurance and health insurance are two of the most important types of insurances needed for anyone over the age of 40yrs old. By the time a person reaches the age of fourty the probability of that person having a family, spouse, children and personal wealth is about 90 percent, thus the need to protect assets and provide security to the family in case of a death or passing of a parent. If a person is adequately covered by insurance in difficult times of need the family can survive financially.