Assessing your needs for insurance services is part of your personal financial planning. Insurance takes care of your unpredictable needs, and as these needs can arise at any time, insurance is extremely important. Investments take care of your foreseeable needs and do their best to follow your unpredictable needs. Insurance has changed considerably over the last few years, and there are also many new products that are very flexible.
Some personal finance packages, magazines and self-help books can help you with your own financial planning. However, you may decide to seek the assistance of a personal financial consultant - expert if: