Insurance can seem complex, confusing, and generally not fun to talk about, so it often gets put on the back burner. However, buying the right policies is crucial to a healthy financial life, particularly if you have a family.

While insurance policies are largely personal, and your coverage will evolve along with your life, there are three important types for all families to consider: disability, life, and long-term care insurance.

Here’s a brief overview of each, but don’t stop researching just after learning the basics. To get the best possible policies for your family, you’ll want to continue educating yourself by getting multiple quotes, reading your policy closely before signing on, and asking questions as they arise.