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The modern world, as outlined by a 19 year old that's just starting their life, may be gruesome. You completed high school a short while ago, you aren't financially competent to pay for your studies, nor are your parents. Your grades weren't sufficiently good to be able to apply for a scholarship. You just started a 9 to 5 job as an administrator. Fortunately you and a friend chose to share an apartment, but now you have to look for transportation to and from work. Then you have to think about a home and everything that goes with living a prepared life. And one of the biggest financial products you have to look at is insurance policies.