I have been skeptical of insurance companies for a long time now. Many of them just don't seem to be worth it to me. Unless it is required by law (such as car insurance) I probably would not be getting it. I hear too many stories of people paying into their insurance policy for years only to be very disappointed if or when they need to collect. I am quite certain that there are many legit and quality insurance providers out there; however, the process of choosing the right insurance can be so tricky that I don't even bother with it unless I have to.