Insurance is not just for Bad Situations. As a matter-of-fact, The Wealthy use Insurance for Good Situations such as; Collateral when making purchases; Access to Cashflow without penalties, fees & taxation; Protection of their money from risk & fee structure; As a Line of Credit without having an application, delay, nor qualification (credit or background check); storage of their wealth; Protection from Creditors and Predators; Asset sheltering for College Planning, to name a few.