It is called planning for the future... :)
Why save money instead of enjoying life?
Why should we save so much money? Isn’t it better that we enjoy our lives since life is short and let the future generations work for their own money? We have a saying: hindi mo madadala yung pera after death di ba? Life insurance is also good for emergencies or tragedies, but if a family has more than enough to tide them over, maybe life insurance is not a necessity for some families?
Daphne Figueroa, 23 years old, call center agent, Quezon City
Answer
Daphne, there are many views to life and one such view is “to eat, drink and be merry.” I agree with you that life should be enjoyed and it is precisely for this reason why I believe you need to secure it with life insurance. Life is full of uncertainties and we are exposed to real risks every day. These risks come in the form of accidents that may leave debilitating effects on our lives; or the risk of dying too soon, well before we set our children off in life or maybe the risk of outliving our fortunes in our old age.
If we do not neutralize these risks, we may not enjoy life at all. Through life insurance, we can “transfer” these risks to financially sound institutions that, for a fraction of the cost, will be willing to mitigate a portion of the risk we may be exposed to. This being said, it does not matter therefore if you are financially well off or not — we face the same uncertainties and risks. In fact, when someone has more to protect, there is more reason to secure it with insurance.
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