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    By AnnaMaria Andriotis,
    Reporter, SmartMoney.com


    THESE DAYS, it seems as if there's an insurance product for everything -- engagement rings, babies, even pets.

    The tricky part for consumers is choosing which policies are truly worthwhile -- and which ones will never pay off. One rule of thumb: The insurance that's worth it typically covers your health, your earning power or the assets you've accumulated, including your car or your home.

    Here are five types of insurance policies everyone should consider:

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