Considered voluntary insurance products, each of these types of insurance can provide some real benefit to you. Life insurance, for example, can offer some financial security to your loved ones should something unexpected happen. Disability insurance can protect you financially if an accident occurs. Long term care insurance is a fairly new product, but it’s already become an absolute necessity. Long term care services cost nearly $50,000 per year, and few have that kind of money to spare. Making certain you’re protected in any case will provide you immeasurable peace of mind.