Dealing with "insurance pain"

​Nobody really enjoys buying insurance so I don’t think the “pain areas” are something we can escape from. However, it is a necessity unless we want to make matters far worse in case bad things happen to what we are protecting by owning insurance policies. The best way to deal with pain areas are 1) make sure you have the right product for your situation 2) make sure you are not overpaying for coverage.
Grab a calender and mark one week out of each year to evaluate your coverage in each of the 4 areas mentioned. 1) HOME 2) AUTO 3) HEALTH 4) LIFE
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Is it the right product or did the agent sell me something they wanted me to buy? Do I need to add additional coverage? You might need a new life policy because of recent events. Is it too little or too much coverage? Are my deductibles still acceptable to me? Did anything change in the coverage that the agent never mentioned? Also, is the agent maintaining contact with you via email, texts or an occasional phone call? You want your agent to be accessible 24/7. Hope this helps.