The Uncertainties of Life: to insure or not?

Philippines
July 16, 2007 1:48am CST
Months ago, somebody offered me an insurance package. It is a life insurance, promising huge sums of money if ever you will meet an accident. To my mind why does a man need this kind of wealth if he has meet an accident and can not use it anymore? In fact we do not need or just think that our hair will be hurt during our travel. When I told the insurance sales man about this he just said and explained to me life's uncertainties. He instilled into my mind the fear of unpreparedness in cases of a personal accident. Thus because of this discussion I have been set into a situation "to insure or not to insure"? If this happens to you, what do you think will be the right move?
1 response
@aprilsong (1884)
• China
16 Jul 07
Well,as for me,i would rather not have such insurance.Cuz it is somewhat like a curse.I mean if i will have no accident in the future,the insurance then has no use,while if i do have an accident in the future,i can get sum of money,then will i be happy to receive such money.Absolutely not.So i think it is a little not a good thing.Something like i wish i have an accident in the future. In other hand,if i am doing a job full of danger,i will absolutely welcome such insurance.But my job is easy and has no danger at all.So i do not have such insurance.