As life changes, and our needs change, I cannot tell you about health and life insurances without bringing up disability and long-term care. Here is a link of True Stories of people who have experienced life changing events whether this be a death, a disability, a long-term care stay, whatever the event may be and how insurance played a role in the quality of their care, being able to sustain their business, including farms, etc.
An independent agent can make an initial assessment of your needs, take a look at what you have, keep as much as what is applicable, add to or take away from the various insurance buckets so that you have a comprehensive, well thought through plan that is suitable and affordable for your needs. Then, as life changes, the adjustments to the various types of insurance you carry are easily made, but please, do not put on blinders and go through life without the safety net that life insurance provides all of us. Your decisions affect a lot of people