What do you think is necessary insurance everybody should take care of? In my opinion, health, life and car insurance are three most important types of insurance policies everybody should have. A friend of mine tried to live without health insurance, but when he hurt his leg badly and had to pay medical bills, he changed his mind. I have not heard him talk about living without medical insurance since then. Another useful insurance is No Medical Exam Life Insurance. Life can be unpredictable these days. You never know what might happen to you today or tomorrow. Everybody can have an accident or die suddenly.