You should assess your needs and consider factors such as your income, assets, and potential liabilities. It's also advisable to get professional advice from an insurance agent or financial advisor.

It's recommended to review your insurance policy regularly, at least once a year. It's important to check that your coverage still meets your needs and to make sure the beneficiaries and contact information are still up to date.

Contact your insurance company as soon as possible to report the claim. You will need to provide them with the details of the incident and any supporting documentation. It's important to keep track of all communication with the insurance company.

Yes, make sure you understand the terms of your policy and the process of making a claim. Keep all documentation, including bills and receipts, in one place. Be prepared to provide any additional documentation the insurance company may request. Be patient, claims process can take some time.