Agent: "We should do a review. Your salary is higher now. You should need bigger insurance coverage." This was what one of my insurance agents said to me many years ago. I was wondering why did she say something like that. Wasn't I financially more secure by then? Why would I need to increase my insurance coverage? Agent: "You are worth more now. Your life is more valuable. It is like insuring a valuable piece of art. More valuable the artwork, the higher the coverage." OK, at that point, I think most people would have just bought into the argument. I didn't. I decided that the agent was only interested in lining her own pockets with more of my money. Read this conversation I had with a fellow blogger on the need to buy insurance and how this need correctlychanges with our circumstances ......