Let it be clear at this early: I am not an expert on insurance.
But I am deeply frustrated about people who think that all they need to achieve their financial freedom are life insurance policies. They may fall under the case of being over-insured.
I am also equally disappointed with people who has an insurance coverage way below their insurance needs and think that they do not need to increase coverage. They are what I call under-insured.
And they may sound arrogant when you talk to them.