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Summary It is always advisable to comprehend precisely what you are looking for in the way of insurance as only you understand your own situation.  We clarify what you need to know and how to maintain it once you have it. Andrew Merricks, Managing Director of investments at Brighton-based financial adviser Skerritt Consultants, warns that it is very irresponsible of people not to have Life Assurance and/or Critical Illness Cover as he maintains that life has 2 major hazards - either living too long and passing away too soon.  "Its absolutely essential to have some insurance in place – particularly if youve got a young family," he says. "In these uncertain times you need to construct your own little fortress because no one else is can do it for you." Paul Harris at Direct Line says now is the best time to buy such policies as there are lots of very competitive premiums around owing to the fierce vying for business within the insurance market. "The price of... http://thepremiumwizzard.org.uk/want-t...