Insurance- Help ?

Need help with understanding the complex world of insurance? The show is hosted by Ken Nichols AAI, ARM, PA who has owned an independent insurance agency for over 25 years.  The episodes include guests who have knowledge of specific insurance related topics and will have a conversation with Ken who is  experienced in applying the subjects when purchased by the consumer. Although most people have a general idea of different types of insurance policies, they rarely have  a good understanding of why they should purchase them, or what the different Coverages mean and how would they apply to an unforeseen or accidental event.  Why buy insurance if you don't understand what you're getting and for what reason?