Wednesday, January 17, 2018

Insurance: Yay or Nay?

For the longest time, I have been debating this, whether we need one or not. I must say that I was rather brave and took a huge risk by not getting one. Finally, this year (2018) I took the leap of faith and went for it.

Last week, I set up a meeting to meet with an insurance agent to discuss this further. The aim of that meeting was to understand more about it because honestly speaking, I had zero knowledge and I didnt know what I need. A friend recommended her insurance agent and we sat down to discuss the importance of having one. Yes, some may say that insurance agent is always out to get a commission but let's face it, who isn't? Everyone has an agenda at the end of the day but it is up to us whether or not we want it in the first place, whatever it is they are selling.

To me, after my meeting with my insurance agent, I felt like I NEEDED to protect myself. I am a mother of 2 young kids. I HAVE to be around for as long as I can for both my children and if I am not protected, how can I protect them.

I realise that many people around me already have insurance policies to protect them and I am one of the odd one who doesn't seem to have any protection. I've been blessed with good health so far (alhamdulillah) but I dont know what may happen in the future. Accidents can happen to any healthy person too. I must say, I was ignorant.

It doesn't have to be such a high investment. Although I rather spend on that monthly facial or shopping at Zara with that money but I'm glad I chose this instead. Now I feel free. I know I will be OK if I ever fall sick or had an accident. I know I am protected. Somehow it makes me feel safe.

So for those of you who still do not have an insurance policy, please speak to the professionals. My advice is get a reliable agent who is recommended by friends or people you know you can trust. A lot of these agents do work on commission so of course their job is to "sell" their Insurance policy. Be smart and do your own research. There are always cheaper options out there but cheaper doesn't always mean better especially in the long run. Expensive dont always mean the best too. Most important thing is, get yourself protected. You never know what will come your way in the future and yes, getting x amount of money will not necessary mean it will cover you in case anything happen but at least it can help.

Yes, Insurance is a YAY for me and better late than never.

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