The constant fear of death, destructions and disability are always lingering on our heads. Such fears and risks lead to financial losses. There is a need to get your-self protected against such losses. Insurance is a hedge against such losses. Insurance is an agreement between the insured and the insurer wherein the insurer agrees to take care of the losses of the insured on happening of some contingency. Right insurance can protect your life, health, car, home and a lot more. The monthly cost is the premium which is to be paid by the insured. Finding the right insurance policy requires some legwork. So you need to be sure that you are choosing the right insurance policy to get yourself covered.