You can not learn about the events of the future. Each day, we face risks: accidents, natural disasters, disease or death, these are all events that can lead to financial losses. The way to protect yourself is to try to make sure. It is to transfer the risk of a loss that can not be predicted on an insurance company behind the payment of a small fee.
Each financial plan must provide insurance.
You do not find you to pay for your pocket losses. This is the insurance, and this is the way to ensure your finances.