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Insurance protects you against the unexpected. If you’re burgled, it can pay for you to replace the things that were taken. If you need medical treatment, it can pay for private healthcare, or it can replace some of your income if you can’t work. If you die unexpectedly, insurance can pay money to your family.
Of course, not all of these may happen, and only you can decide whether you’re willing or able to take the risk. If they do happen, you may have enough savings to be able to manage, but in case you don’t, insurance may help.
