insurance company tricks

How important is insurance for you?
Insurance companies sold in many different ways. Life, critical illness, pets, etc. .. We never used to have insurance in both the good old days, but nowawadays think we have an insurance product to cover almost everything.Although the need for insurance is much more than you think you are being deceived by companies ..? What are your thoughts / experiences? (and lets not talk about car insurance as a necessity to have)
other than my car I have said nothing. Everyone tries to sell you payment protection insurance whenever you take a credit, but which has proved a waste of money in 99% of cases. My home is in an area reasonably free of crime so do not get home insurance, i dont secure my life, because when I die, money is worthless for me, I'm pretty sure and have been in the hospital only twice in 15 years, so that no accident insureance, my dental care is free to dosent need to ensure that good. I do not think my car accident that car wasn't sure if a legal requirement, then i wouldnt buy that property,
Insurance Company Tricks According to Houston Attorney