1.) Who needs homeowners or renters insurance and why? What would you say to a friend who said that they didn't need a renter's policy because they were happy to 3.) Who needs Long-Term Care (LTC) insurance? Describe black and white scenarios where some DOES and DOES NOT need LTC. Describe a scenario in which it's not so obvious. 1.) Who needs homeowners or renters insurance and why? What would you say to a friend who said that they didn't need a renter's policy because they were happy to 3.) Who needs Long-Term Care (LTC) insurance? Describe black and white scenarios where some DOES and DOES NOT need LTC. Describe a scenario in which it's not so obvious