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?