Robby Antonio, Senior Finance Consultant at Rainbow by Finance House, returns this week to talk with Ron and Elizabeth about all aspects of insurance and income protection. In a broad ranging discussion they define insurance; look at different types and structures; consider why we don`t like talking about insurance but why we must; identify problems with under insurance and come to the conclusion that while taking out insurance is like buying an umbrella while the sun is shining – it’s still the wisest option – once you’re caught in the rain it’s too late.