With the breakdown of financial industry this year and the many news about closure of even big insurance companies like Prudential, where I got my pre-need plan just a year ago, I can’t help but to tell myself I will never get any insurance in the future, never, ever especially for the pre-need plans!   But then, in every rule there are exception. There are important insurance which one needs to have for the protection of your properties.  This important insurance that one needs to invest for includes the need to have a car insurance, house insurance, health insurance, etc.  However, I must tell you that you should be very wise in choosing which company to trust.  One more that you should take into consideration is the agent from whom you will get your insurance, Make sure that your agent is a person whom you can trusted and who can always  help you whenever you have a concern. Never get insurance from a person whom you don’t know because she can vanish after she got her commission from you. Look for an agent who have the heart to help and sincere and committed to her clients.