Insurance protection: Assessing your needs: Insurance programs abound, and as a student or recent graduate, you are a susceptible consumer. Being informed is the best policy

Real financial security is difficult to achieve without adequate insurance coverage. Yet, with the many types of insurance and different plans offered, it is often difficult to know what to buy. Because of the vast scope of the subject, we will discuss only three basic types of insurance coverage here — disability income, life, and health — the types that are most important to students and recent graduates. Other forms of insurance protection, such as property/casualty, may be subjects for another article.