The key to buying insurance is to think tactically. The only reason to buy it is to cover a risk we can’t afford to cover ourselves. Yet, insurance, particularly life insurance, is sold on the grounds that it is a good investment (it’s not) or because of certain tax advantages (debatable). This lecture will address various categories of insurance – life, disability, liability (covering our homes, autos and practices), long-term care, employment practices and cyber-security – and in the process, explain what to buy and what to avoid.