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Insurance For The Self Employed And Those Seeking Health Insurance First of all, congratulations on deciding to go out and make it on your own. The rewards and excitement of making it on your own can not be found anywhere else. Life Insurance Benefits Life Insurance is a legal contract between you and a life insurance company with the purpose of providing an income to spouse, children or other beneficiaries in the event of your death.There are two different categories of Life Insurance. Choosing Affordable Health Insurance For Children In most cases, private health insurance comes through a person's employer, who picks up the majority of the cost of premiums. However, today many people, who are either self-employed or who work for a company that doesn't offer health insurance, find it necessary to obtain quality affordable health insurance for children. Is an HSA a Type of Insurance? A Health Savings Account (HSA) is not a type of health insurance. 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