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HOW A SINGLE QUESTION CHANGED MY BELIEF ABOUT INSURANCE


“If I die, why do I need money?”
You don’t.
But your family, or your business might. -Life Insurance



I used to be among other Filipinos who don’t believe in the importance of getting a life insurance. Whenever I see a friend or an old colleague trying to sell me an insurance, making me feel how bad my financial planning is for not being able to save enough, or when I sense he’s just after the commission, I would turn my back and pretend I need to attend to something urgent.

I even said to myself I’d never sell a life insurance. Why would I sell something I don’t believe in, right?

Fast forward to present, I am on my last week of training as a Bancassurance Sales Officer. What is it? My role is to basically help people in financial planning and encourage them to get an insurance. Sounds ironic; a non-believer marketing intangible product, something my old self would never purchase.

For those of you who’d been following my social media account, know that I resigned from my job as a Medical Sales Representative and became a work-from-home mom. I get to be with my daughter every single day, cook my family food, and be a full-time housewife. Life’s refreshing and amazing! However, I was not earning as much as I did when I was in the corporate world. What happens when someone gets sick in the family, will PhilHealth suffice? As an online English educator, we are not entitled with paid leaves and other benefits mandated by the government for employees. I started looking for a day job. I also miss working in the corporate world. I want to advance my career.

God works in so many great ways. After an unsuccessful interview from a Cable company which I was rooting for, a job opportunity from an Insurance company came. I researched about it and I became interested. It’s like hitting two birds in one stone. I get a job and at the same time have life insurance. Not until a trainer asked me this question that penetrated the very core of my being.

“What if something happens to you and you are taken out of the picture, who will take care of Akisha?” I imagined a family photo of us three. Then, I imagined another photo without me. Another photo without my husband. I don’t want to leave Aki, not until she’s ready to stand on her own.

Therefore, insurance is important. Insurance will take care of my financial liability to my daughter when I am no longer around. It’s a transfer of risk. My insurance will provide for my family’s finances, my daughter’s college education, and more. Yes, I can probably save in the bank, but it will not grow that much. It will not give me peace of mind, specially that it’s more tempting to withdraw money anytime.

I was one of those who think that insurance is only a death benefit. That I cannot enjoy monetary value while I’m still living. Do you know that in life insurance, we have this living benefit? It means that, you can get something even when you’re still alive. Insurance is not all about death, it’s protection plus savings. Protection plus investment. Awesome, right?

We have different insurance products in the market depending on your financial goals and needs. Talk to someone who can help you understand more about it. Talk to someone who’s really sincere to help you get a specific product or products that will suit your need. Do not buy an insurance plan you don’t understand. This is very important, before you buy protection, you need to fully comprehend why the need for it.

Here are some words to ponder:

If you are a breadwinner, and your family depends on you financially, you need a life insurance.
Insurance is a long-term investment. It’s like growing a seed. You need to water it to grow. You don’t expect to get return overnight.

Get an insurance, you can have peace of mind that if you are taken out of the picture, those you leave behind will not famish.

Before I end this blog, I want to share a short story.

A single mom is on her way to work. She left her child P200.00 as her “baon”. Unfortunately, something happened to the mom and she’s not able to return home. Will the P200.00 “baon” enough for the child to survive?

Is your savings enough as a “pabaon” to your dependents, in case you have to go ahead of them?
If not, get an insurance.







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