What I'm basically trying to ask is, should I just put money to the side every month, but the money won't be with an insurance company. I'll be in possession of the money instead of the insurance company having it. If you don't think this is a good idea, please tell me which insurance company you would recommend. My issue is that insurance just confuses me. For example, I bought a game and put a 2 year warranty on it, so if something happens I get it fixed or a new one. My issue is, what if after 2 years nothing happens to it and it works perfectly fine. I can't get that money back that I pretty much wasted on it. If I do invest in an insurance company, will I always have access to the money I put in every month? I know this might sound confusing, but thank you for any answers! If it still sounds confusing, what I'm trying to say is, instead of investing in an insurance company, should I just not, and just have keep money to the side for insurance?