Have you ever gone through your monthly bills to see how much of your income goes to pay insurance bills? Most of us really horrified when we realize that our insurance payments add up to one of our largest payments every month. We need to cover our health, homes, life, and cars. And some of us even plan ahead by buying long term care insurance.  Don’t get me wrong.  We face a lot of risks, and we need coverage to be financially secure. But there is no reason to pay to much.