If you're making a more than enough money in your job, then getting an insurance, whatever kind of insurance that you need is a good move for the long run. It will save you from an emergency when you need it. However, not all insurances offer the same services, others are just going to give you headache when you want to get it, because for example, someone in your family died or got in an accident, which cover in your insurance.
Insurance services is open for everyone. Everyone who can afford it of course. Incidentally, the poor and in some cases, the average family don’t make enough money to afford those services. They barely have enough to live on and are more worried about problems they’re currently facing than unforeseen ones that may pop up later in the future.
Not all insurance companies offer the same service and not all can be said to be reputable. There’re shady companies that would try not to pay righteous claims even after investigations. With everything, including looking for the right insurance company that provides the services we want, we’ve got to do our due diligence.