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Why people invest and purchase insurance in my opinion.
I have a few friends that don't believe in insurance. A very good example is my roommate. He is in his early 20s, has a girlfriend and doesn't have any plans to get married or have kids. He feels that if his time is up, he will gladly resign to his fate. The key thing is, don't you worry about your 'wife' or girlfriend? He claims she will take care of herself. That's his perspective and I can't judge if he is doing the right thing because it is his life. I think it is poor planning or in some sense, he doesn't plan for the long term. I am pretty sure the reason why people invest or buy insurance is to safeguard and preserve their assets in the long run to enjoy the fruits of their labour and not let it go to waste on hospital bills and emergency usage. How many people are willing to say that they work all their lives to pay their hospital bills? I am pretty sure I am not working for that purpose. I work for myself, myself to provide for my family to live better, healthier and enjoy the fruits of my
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