Insurance policies are nothing for a product sold by insurance companies. Just like other businesses launch new products or offer multiple products, insurance companies also launch multiple products, usually with similar benefits but in different names. However, no matter what kind of insurance policy you are buying you need to make sure it offers maximum coverage. For example, if you are buying life insurance policy, you need to make sure it offers comprehensive coverage. For example when you buy term life insurance, try to see if they offer compensation for accidents, diseases, disability, etc. In case they do, you might not have to buy a different health insurance