This is a very common reasons given by public whenever they are approached by insurance consultant.
People always find reasons to deny buying insurance such as :
1) I am cover by company
2) I am healthy and why should i buy
3) I can always go to the government hospital
and many many more reasons.
As a life insurance consultant for the past 20 years, allowed me to share with you some of my personal thoughts about insurance planning. ( my personal website www.cksia.com )
1) All healthy people do not need life insurance/ medical insurance, this is absolutely true. However everyone must a policy when he/she is healthy , by the time when someone encounter some major health issues or meet with accidents, it is already too late if he/she does not own a policy.
2) It is nothing wrong when a person does not has life insurance. Buying life insurance means that a person wanted to transfer all his/her risk to the insurance company. It is too risky keep the risk as any unforeseen circumstances can completely destroy a family finance. If a person choose not to buy insurance, it means he/she wanted to cover the risk by himself/herself. It is just like open an own insurance company to cover oneself. So, the choice is yours, to insure your own self or let the insurance insured you ?
3) People do not need life insurance, i agreed with this statement.
What people need when they facing crisis such as falling sick, meet accidents, become disabled etc is MONEY. What is the best way to get quick money?
1) Own money ( does one has 50k or more at anytime ?)
2) Borrow form friends or family members ( do you think easy to borrow from them? )
3) Ask for donation ( your life is depend on people mercy, do you want that ? )
4) Depend on company insurance scheme ( what happen if the coverage is too small and not enough ? )
5) Go to government hospital ( are you willing to wait for your turn which can up to few months or year ?)
6) Use credit card ( can you afford to pay back later ? )
So, when facing crisis, we all NEED to get emergency FUND/MONEY and life insurance is the
1) fastest
2) cheapest
3) easiest
way to get MONEY when needed most, that is the main reason why people are buying life insurance.
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People always find reasons to deny buying insurance such as :
1) I am cover by company
2) I am healthy and why should i buy
3) I can always go to the government hospital
and many many more reasons.
As a life insurance consultant for the past 20 years, allowed me to share with you some of my personal thoughts about insurance planning. ( my personal website www.cksia.com )
1) All healthy people do not need life insurance/ medical insurance, this is absolutely true. However everyone must a policy when he/she is healthy , by the time when someone encounter some major health issues or meet with accidents, it is already too late if he/she does not own a policy.
2) It is nothing wrong when a person does not has life insurance. Buying life insurance means that a person wanted to transfer all his/her risk to the insurance company. It is too risky keep the risk as any unforeseen circumstances can completely destroy a family finance. If a person choose not to buy insurance, it means he/she wanted to cover the risk by himself/herself. It is just like open an own insurance company to cover oneself. So, the choice is yours, to insure your own self or let the insurance insured you ?
3) People do not need life insurance, i agreed with this statement.
What people need when they facing crisis such as falling sick, meet accidents, become disabled etc is MONEY. What is the best way to get quick money?
1) Own money ( does one has 50k or more at anytime ?)
2) Borrow form friends or family members ( do you think easy to borrow from them? )
3) Ask for donation ( your life is depend on people mercy, do you want that ? )
4) Depend on company insurance scheme ( what happen if the coverage is too small and not enough ? )
5) Go to government hospital ( are you willing to wait for your turn which can up to few months or year ?)
6) Use credit card ( can you afford to pay back later ? )
So, when facing crisis, we all NEED to get emergency FUND/MONEY and life insurance is the
1) fastest
2) cheapest
3) easiest
way to get MONEY when needed most, that is the main reason why people are buying life insurance.
The choice is in your hand, whatever choice you made is not wrong, the different is you need to face
difference consequences by taking difference choice .
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