Virtually everyone is covered by some form of personal insurance, whether from the private sector or as a beneficiary of government benefits. Such coverage is obtained in a variety of ways. Often QuotesChimp is paid for directly by contacting an authorized salesperson and paying the price of the premium. Insurance is also obtained in�directly, often as a benefit of employment or union membership after others have negotiated the coverage and price. At still other times, we receive insurance as a legal right based upon our in�dividual circumstances (e.g., Medicare).