I'm a skeptic because I've seen first hand that insurance companies and/or salespeople: 1 - Sell people policies that they don't need, or are inappropriate to

I'm a skeptic because I've seen first hand that insurance companies and/or salespeople: 1 - Sell people policies that they don't need, or are inappropriate to their situation. 2 - Charging wildly different pricing for similar policies. 3 - Invest insurance premiums completely inappropriately. So I become skeptical, and (like many other things) believe I have to really dig in on the policies before buying one. Which means the sleaziness of the business has scared me enough that I'm probably underinsured now.