Many people need insurance especially for their life or health but many of them give up to take one life insurance because they think it is too expensive. People may ask how could it be? The reason of why health insurance is costly, because it shields the consumer from healthcare’s actual cost, while going to emphasize “health.” American wellness practices leave much to be wanted, mirroring the lack of effective dissemination of wellness promotion and disease prevention info. Our poor wellness habits, in turn, require more and more costly medical interferences