I was looking over my credit card bills the other day and noticed that I’ve been paying for credit insurance…something I never signed up for to begin with. When I called to ask about it, the representative informed me they had received verbal confirmation from me a few months back when I renewed my card. I most certainly did not give any kind of verbal confirmation to add that to my account. It was a back and forth discussion before the charges were reimbursed, but it got me to thinking. Is credit insurance really worth the money?