Having insurance is great when the universe decides it’s time to give you a major (or even minor) problem. But when you can get a policy for practically anything, it’s easy to spend more on protecting your life than living it. Don’t worry, though. We can help you keep these expenses under control while still getting the coverage that you need. Here are ten ways to be protected for less: 1. Assess Your Needs Rather than buying coverage simply because you think you should, it’s important to consider your specific situation. Your life today and your future plans should dictate what insurance policies you need and how much coverage is appropriate. Although there are lots of factors to consider for each type of insurance, you should think about the following to determine your needs: Your assets: More assets (cash, investments, businesses, property, etc.) may mean more insurance Your family: Having dependents