Buying insurance is like having an umbrella – even on sunny days! You can never tell if the weather suddenly turns. And if it does, those without the umbrella might be in deep trouble. But not all insurance products make financial sense. And, there IS such a thing as having too much of it! Before opting for some products – like those that offer protection over a specific term – policy shoppers would do well to stop and consider whether these products make financial sense for the policy holder or the policy issuer.