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Buy Insurance?
By peace | August 9, 2007
The insurance I have is life insurance and home insurance only. I do not have any car insurance because I do not have any car. Talking about life insurance, I am not adequately covered. I would love to take up more insurance so that my children and hopefully my husband can get better life when I have any premature death. I do not have any woman illness plans now. I just cancelled one such policy one year ago, as my budget was very tight.
Every now and then, I would receive telephone calls from insurance advisers. They are some very good ones and some very inexperienced ones. Some of them when talking to me, I can tell that they are reading from scripts. This is the type where if I tell them I do not need them, they will not bother to answer any objections at all. Two days ago, another insurance advisers from a small company called me. He wanted me to take up personal accident insurance. He told me all the benefits of personal accident insurance. I know very well all about insurance. I asked the payouts and some of the exclusions. I need to pay about $18 per month and I can insured immediately. Hospitalisation fees will be covered when accidents happened. Coverage is worldwide. $18 is reasonable, but I did not give him an answer yet. I need to work out my budget. That is what I told him.
That is the truth I am telling him. I have a few life insurance policy — three to be exact; and that is too little. Considering the fact that I am under-insured, at least it is better for me to have accident insurance, just in case I met any accidents. But all these means I need to pay more premiums, more money to buy a piece of mind! Can I buy a peace of mind when I have no stable income yet? That is a hard decision to be made.
