Ask yourself - Can I afford not to have it? How much do I care about financial security?
When we work with people, families or businesses and we can usually find ways to save enough to cover the premiums, which can be very low. You'll be surprised what you can get. But also, it isn't so much whether you can afford insurance that is important, but whether you can afford NOT to have insurance. If you're not sure, check out some of our insurance horror stories - people who weren't insured and ended up financially ruined.