The answer is very simple. You can find it in newspapers, radio and television on a daily basis; road Traffic Accidents, labour accidents, fire, theft, flood, earthquake, aircraft accidents, injuries, sickness and much more. All above are life problems with financial consequences against which you need adequate protection if occur. Therefore, insurance is the most effective solution in overcoming financial problems created by the risks in our life. It takes a life to create something. It takes only a moment to lose it.