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Starting a new job is a perfect time to secure your safety net. There are three types of insurance coverage you can typically expect to receive through your new employer: Health, disability, and life. And if your job doesn't supply coverage for you and your family, it can be dangerous to succumb to the temptation to forgo the cost and skip it altogether.

How much professional help do you really need when buying insurance? With websites providing quick and convenient quotes and comparisons, it’s easy to believe that all you need to find the right policy is a long lunch break and a high-speed Internet connection. But sometimes, finding the right coverage for your needs can be a complicated matter requiring professional expertise. Before you decide, let's weigh the pros and cons of hiring a pro.

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