Risk is the possibility of loss. Sometimes the loss is trivial, while at other times it may cause major personal and financial hardship. There is no way to eliminate all risk, but there are ways to avoid, minimize, or protect yourself and your family from risk.
Criminals and con artists use many scams to target unsuspecting people who have access to money. Consumer scams happen on the phone, through the mail, e-mail, or over the internet. They can occur in person, at home, or at a business.
Health insurance is a product that covers your medical expenses. Like auto insurance covers your car if you get into an accident, health insurance covers you if you get sick or injured. Health insurance also covers preventive care – i.e., doctors visits and tests before you get sick.