This kind of question never cross mind, not until I was married.  What if one day, we need financial aid in times of emergency. There are many cases right now that when a person was seriously injured and can’t work, their household struggled.  They will need money for medication, money for Children to go to school and money to run the household.  It is very tension and stressful when in financial trouble. That is why right now, maybe insurance company are selling hard to provide their services like disability insurance and personal accident insurance.I think if anyone of us can afford insurance, go get one!