The ideological struggle to participate in my life insurance

There are choices in life that affect a lifetime's happiness, like the process of struggling when it comes to my life insurance. Life is a series of choices. Which is selected by the decision made. Before making meaningful decisions in life such as marriage, childbirth, house building, job transfer ... none of us is not thinking, thinking.

One of the most important decisions, to me, is to have a great meaning for the whole family, so far, that I have struggled with thought and thought. life insurance. Remember that day was a beautiful Saturday afternoon, after the tan at work to a coffee shop on Dien Bien Phu met longtime friends. We have been studying together at the 3rd grade. It has been more than six years since we last met on my wedding day. Until I meet again, my best friend is older and older, the way of speaking and personality is unchanged, is still extremely kind, generous, listening and no one is not. cherish. Talking to each other for a long time, I now know that he has changed to a life insurance agent. Actually, I've learned a little bit about life insurance before. Life insurance is not bad, not scams but somehow like most people when mentioning this name I still have something aversion. I asked him about the feeling of being an insurance agent is like? Hard work and many refusal so he is discouraged? He just smiled and told me about helping others, giving financial solutions to others with a passionate, proud look. Every customer that he contact is a story, sad yes, have fun, join there, rejection there, happy there, regret there ... In turn each story that he told came into my mind at any time not good. Since that afternoon, I was really obsessed with life insurance, not because of the commercials, the hello I've heard before but simply because of the real life stories. My friend told me. From there, a question arises in my mind: "Should I take life insurance?" To answer that question, it took me a week. There are two thoughts in the mind: an antipathy to life insurance and one that supports coverage. I still remember the first thought that came to my mind: "Taking life insurance is like telling yourself it's going to be risky, wanting you and your loved one. Being well healed, prepared in advance for death, for the unfortunate. Speaking of people already. It's best to stay away from life insurance. " Then my friend's words flashed in his head: "You know, people keep aversion and stay away from life insurance. But really, what they need to stay away from is risk. And in case the risks can not be avoided, life insurance is the most necessary reserve. " I ponder; "He's right. Why are you afraid and avoid life insurance? Are not you the one who is always working on the plan, wanting everything to be the most complete? Worried about possible risks, what is wrong? Now that I'm so afraid, when the risk comes true and I have not prepared yet, how scary is all this? " I imagined the prospect of unfortunate health, body to me, making me unable to work anymore. The two children are still small, then everything will fall on my wife's shoulder, how she will work hard. The amount of savings I save to save for the hard times would break the plans that I had planned for the future ... Oh, think about that, I saw the infinite sadness. That's it. That night, I was determined to go online to learn more about life insurance. Online information is generally countless, very clear, illustrating the full benefits. But I still find life insurance contracts hard to do. How many terms, rules, terms this, read that see lung. Come aside, go play with your children. My father and son play together, then mounted models of cars, armored tanks. I suddenly thought, to the toy model with a lot of small details that I have a little hug up for the children some information. What was that peculiar life insurance contract? It is not because I'm lazy, thinking about it, but how many years of business contracts, more complex business contracts do not make it difficult to be yourself. Moreover, I have a friend is insurance agent, there is nothing to understand the call straight, without any advice is enthusiastic. So, I went back to the computer and carefully reviewed the rules, terms, and readings. Finding out really found out that everything is very easy to understand and clear.
However, one thing still makes me anxious, is the insurance premiums. "Maybe life insurance is good. But its expensive so expensive, should I join or not here? Think about the monthly deductible of a life insurance premiums that feel sorry. So far, I have had to save so much, now I have to save to raise more life insurance. Should buy or not? Is life insurance worth it? Nobody wants to lose money. Me too. Also, how to know if you have enough patience as well as finance that for a long time like that or not. Ten to twenty years. At that time, I must be very old. Then work, career change, children large wisdom, how much to worry. If you can not reach the end of the contract, I call this confession to my friend. He slowly said: "I feel your thoughts and most people. Fear of life insurance for a long time is a legitimate concern. However, life insurance is a product designed to meet the needs of individuals. You can choose an insurance product with a suitable face value, meet the purpose of protecting yourself. If you have a lot of money and want to protect many faces, you can buy a premium package. What's so expensive. Minimum insurance premium is 3 million per year. Every month you spend less than 300,000 VND, save only 10,000 VND per month " 'Every day only 10,000 VND? "Yes! Also, he thought, only life insurance was ready to give him the money he needed the most. Now you are afraid of life insurance expensive, afraid life insurance takes money. But if something happens next, then the risk is the one that takes away your money. " My God, I feel so bad myself. I have been thinking wrong. I wondered in my head: "Is it possible to spend two thousand and thirty thousand a day without having enough self-confidence to do it? Besides, the main purpose of joining your insurance is to protect your family. Buy a suit, a million watch, go out for a few hundred, coffee, football with friends, even I do not know how to forgive the tens of thousands to protect the family love, I am really a husband, father too bad " Life insurance is not as expensive as I thought. "But how long does it take to do it? Will I be able to go to the end?" Recalling the words of his friend: "You know, the actual time to participate in long life insurance is a great advantage. Over the long term, the lower the premium, the longer your family is protected. " "Yes, I have protected for a long time, can I just protect for a few years? I want to participate in a short time but looking forward to protection, financial support before the risk in the long run is unreasonable " Suddenly life insurance policies for 15 years, 20 years is less. I want to protect forever. Think about it suddenly feel even though long time to participate in life insurance I will try to be equal. "Today is mid-month, wait until early next month, you help me to join a life insurance policy" - I am happy to text my best friend. But the message received really surprised me. "Ok. But I wonder what will protect your family from next time to next month? " I was so shocked that I did not know how to respond. At this point I asked myself: "Why do I have to wait until next month? I have learned and clarified all the problems then. I wonder what? Think again? Well, wait until next month to get paid. But life insurance can be paid by month / quarter / year. Is not that a big money to scare at once? Well wait for next month for it. I have the thought of waiting for a new year, new month, new week to start doing something new. But actually noticed that every day is new, even every hour, every minute, every second is unique, can not return and it is always a great time to start. something new. Daily surfing, reading newspapers that shudder with the sudden accident, fear with cancer that more and more people suffer. The simplest is my wife here, there are healthy morning, noon saw the message that my husband is sick, I'm tired. Life is such a surprise, the same day, know what is waiting for me in the front. I text back to his friend: "This afternoon I take a break, through your company, I always talk about life insurance contracts" So, my life insurance policy is like that. Fighting the mind is a frequent occurrence for every person, especially when it comes to making decisions important. It is necessary to calm down, listen to your thoughts. If it is to do, do not let thoughts delay, negate the negative. Because if the delay lasts and the opportunity to pass, you will not be able to retract the time clock to return to that moment of need to decide again.