Buying life insurance protects your spouse and children from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs.

These benefits can help reduce out-of-pocket costs for oral and vision care—and they may even increase the likelihood that you'll seek such care. Individuals with dental benefits are more likely to visit the dentist and have greater overall health, according to the National Association of Dental Plans.