benefit – v. to be useful or profitable to

insurance – n. an agreement in which a person makes regular payments to a company and the company promises to pay money if the person is injured or dies, or to pay money equal to the value of something such as a house or car if it is damaged, lost, or stolen

means – n. something that helps a person to get what he or she wants

vocal – adj. of, relating to, or produced by the voice