Life Insurance?No Thanks
Like most of us (I guess), I myself believe that life insurance is good, but yet again, just ignore the importance of it.
In my case, since 2005 I am approached not less than 3 friends who tried to get me signed up. I even sometimes had to avoid them because I have no heart to reject. Although I realized the benefits of taking a life insurance, the main factor refrained me from taking any is the MONEY.
If the policy is one-off payment, maybe I can consider that. However, monthly commitment to mantain the coverage triggered me to think twice. So, along that 3 years (2005 ~ 2007), my priority went to things other than that. (Household, cars & those..)
Signed Up
As life went through, our income is getting 'better' & age is getting older, we already put life insurance coverage in our 2008 budget planning.
So, in Feb 2008 one of my former classmates called me up & offered me takaful product which I believe the best in town. After a few discussions, I agreed to get my wife & I covered, which was dated on 6 March 2008.
Moment of Truth
Then came the faithful event, which led to my cancer diagnosis, on 18 April 2008. Sadly to say, in takaful policy, it stated that there is a grace period of 120 days from the day we sign before we are fully covered officially (on critical illnesses).
Yes, unlucky for me not to get any cents from the coverage. If not, I can be a few thousand richer by now.. :-)
Everything happened for a reason..that is what I believe.
~ to be continued ~
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8 comments:
aku pon xde insuran pe lagi.. ada sorang senior asek call, sms.. pastu mintak no kwn lain.. adoi.. aku pon x tau lg nak beli ke x..
hai Kui Said, Assalamualaikum, ada masa lawat blog saya
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mungkin sedikit sebanyak boleh kita share tentang pengalaman kita...
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