Financial planning and insurance

Most people look at their financial planning and think only about investments, and their retirement. It's all about stocks, bonds, and IRAs. The biggest problem with that is that many neglect the insurance aspect of the financial plan. Life insurance, disability insurance, and even long term care insurance. All are necessary evils when constructing a trun wholistic financial plan. What good is having all that money stocked away if you just have to spend it all on medical care, or force your beneficiaries to hand half of it over to the government in taxes?