Importance of Insurance

I can't stress enough about the importance of insurance...be it life or disability insurance. Take the poor guide that recently passed away for example. I doubt he has any personal insurance.... Even if he had survived, he probably would not be able to work due to the extent of his injuries. And without a disability insurance, his situation would be quite dire. I can emphatise with the loved ones he has left behind. I am told that his wife is due to deliver their first child soon. It is indeed tragic. The only consolation is that a fund has been set up by the school to help out his widow and unborn child.