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If the individual were married rather than being a widow(er)or a divorced individual, usually the individual would want to leave the money in the retirement plans to his or her spouse. Arkansas Life Insurance Company Therefore, the parent receives payments for life and uses part of them to pay the insurance premiums through the trust. The New Jersey Department of Banking and Insurance dedicates and entire section of their Web site to insurance consumers including car insurance consumers. Why? Insurance agents are usually the first people both existing and potential customers contact when interested in purchasing insurance from a particular insurance company. Another example? Think about a large group of screaming eight-year-olds trapped together in one room during cold and flu season. You should also consider using an anti-theft device, as well as parking your car in a well-lit area even if its not a garage.