Insurance coupled with a bit of assurance

Many of us worry about the insurance we have, asking things like, "do we have enough coverage ?" "Does it cover this or that ?" "Should we buy more coverage ?" It's all a bit of a gamble to put money out each month for something that MIGHT happen, but many of us do it anyway, feeling it worth the cost. There are required insurances like car insurance, home owners insurance if you have a mortgage on your home etc, then there are the elective insurances like life insurance and health insurance. S