RK Wealth Planners is a 21-year-old financial planning and insurance firm that customizes services to individual needs. The document discusses why insurance is important by explaining that a person can become wealthy through capital but truly independent only with a regular income. It also addresses common questions about how much insurance is needed, which is determined through capital need analysis and human life value, and how to decide the best policy, which depends on individual needs and case studies. The overall message is that insurance provides funding for contingencies and protects against loss of income from an uncertain date of death.