Do you have an insurance policy? One that pays out if you have an accident or pass away? It 's a good thing to have, it ensures you and your loved ones are taken care of if there is an issue. Wouldn't it be terrible if a bad person was to get your policy and alter it , wouldn't it be a nightmare if the payout details were doctored and all the contact info was changed. You 'll still be paying that premium every month for a policy you won 't get the payout for. When was the last time you checked your policy pet?