Category Archives: Insurance

Postscript to A Storm

After the Storm

After the Storm

After lashing out and wreaking havoc to the Philippines and leaving 246 people dead, Ketsana then demanded Vietnam to bear witness to its great power of destruction, leaving another 20 people dead.  In another part of the world, an earthquake caused a tsunami to race to the Samoan shores, leaving, in this part of the world, 99 dead.  Very recently, Australia bore witness to a red dust storm that turned it crimson for a few terrifying hours.

As if taking a cue, people are likewise greatly unsettled after being at the receiving end of repeated blows: first, the financial collapse of the world markets, and now, atmospheric convulsions of the epic and never-before-seen kind.

The unsettling thing is that this time, man knows he has brought it upon himself.

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Why You Need Insurance, Insurance Agents and Insurance Companies

Getting to the Core

Getting to the Core

I had my first life insurance policy when I was 21.  I did not think I needed it, death was furthest from my mind at that time.

But everyone was getting one (at the office, at least) and so I did too.  The bi-monthly deductions hurt (though it did not even reach the one million mark) so it was kind of a hard decision to make.  But after courting me day after day, making sure I get the medical exam and pass it, after we did the dance of joy (I signed up), I never saw that insurance agent again.  I left the job and forgot the insurance and never knew what became of it.  I did not know I had options – take the cash surrender value, buy an extended term insurance or a reduced paid-up insurance or even reinstate within a three (3) year period.  I did not do anything because the agent did not take the time, nor cared, to explain my options to me.

And so I look at insurance agents with skepticism.  One call, one meeting, and I would find an excuse not to see them again or sign up.  It went like this for several years.  I did not know I was making unavailable to myself the most basic step in establishing financial freedom – protection.

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