3. Life and Health Insurance: Imagine your spouse has to live with financial difficulties, if you happen to face death. Your surviving spouse will have to go through emotional stress and also deal with the day to day challenges of money resources. Insurance will only cushion that blow. Life insurance has to be top in your priority list. In case you already have an insurance policy then don't forget to review your policy every year. Health Insurance becomes a very vital factor in a marriage. First it is your spouse and then they will be a baby coming making it a picture perfect. Health expenses are sky rocketing as advanced technology and drugs are replacing efficient doctors. If you're not equipped with a health insurance then you are in for a surprise. These two could disappoint you for the premium rates you pay every month but they keep you secured also they award you some tax benefits at the end of the year.