The foundations have to be laid first and they have to be laid properly. Only when this has been done can the rest of the house (financial plan) be built properly.
Whilst you can insure for almost anything these days, we focus on what we consider to be the most important forms of insurance you will ever need. There are millions of people who will sign up for boiler or white goods warranties but have no life assurance, critical illness cover or income protection whatsoever. Most people would say that their families and their health are the most important things in this world, yet these are often the last things to be insured.
Our view is simple: Some insurance is better than none and "Rome was not built in a day", so if the insurance you require is going to exceed your budget, rather than having no cover at all, take out what you can afford.