You credit card issuer may try to scareyou into buying insurance that will kickin if you die, become disabled, or loseyour job. Usually it's not worth the cost;there are too many restrictions on whenyou become eligible and the benefits areoften limited. Also, some policies will payoff the balance on the card, but othersmay only freeze the balance so that youdon't pile up interest. Makesure you have adequate life and disabilityinsurance that can pay off credit card billsif something happens to you. Youshould also watch out for scammers whotry to sell you credit card loss-protectioninsurance. Don't believe anyone who tellsyou that the law limiting your liability to$50 has been changed.