”.Reflect on how you would work with a client to advise them on the importance of insurance to manage risk. How would you address their reluctance to spend money on premiums when they may never file a claim? Refer to course content in your reflection (If I can get some guidance at what to look for I will use my course content, thanks).

Please help give me an educated response

We buy insurance so that we don't have to pay big bucks if we have a car accident, or get sick, someone sues us, or our house burns down. We pay insurance premiums to negate these risks and make sure that one of these catastrophes doesn't bankrupt us.