Life insurance is something people refuse to buy when they are young, but are keen to buy it when their health is weak, or near death. But someone buys insurance when he or she is sick or when the age is high
I am an office worker, married and have a daughter. My husband is a salesman. We rented a small house on Nguyen Trai street for living. My family's income is not high, but I am very aware of the importance of supportive insurance so I decided to buy cancer insurance for both spouses. My husband, of course, does not like this, because of his particular occupation that he always wants to see a clear profit before he goes down. He always said that I only invest in things, it is very wasteful to invest in insurance because it does not bring any benefits and spend money every month.
But it would not matter if I did not meet, not witness the story of my colleague.
That is Ngoc - who is 5 years younger than me. I got married last year. Everyone praised that she had the pleasure of getting the rich husband's house. Ngoc is the director of a large company in Hanoi. In fact, Ngoc go to work just for fun but how much money never to mind. Finished the wedding, the couple bought an apartment near 2 billion in the city center and asked to leave in private.
Sometimes I think life is too ... I go to work as a rash, dark back is busy with dark eyes, no house, no husband and then enough expenses to think. Ngoc, free time to go to cafe, sad to go shopping, spa ... People are living in the high door, gas station, I do not know when to escape the scene to rent.
But in return, what makes me happy is to see every member of the family healthy and happy.
Jade is close, the two sisters sit together, so the more time to talk and confide. Ngoc also said that I do not take care of myself, not to be beautiful, all day only know to care for the husband, family, family.
I laughed and said that Ngoc's life is admirable, perhaps to be like Ngoc, my family has to save very long or never be so. My two most valuable assets now are probably two life insurance policies for cancer. I asked Ngoc if he had participated in life insurance.
But Ngoc seemed not interested in insurance: "Oh dear, she invested in those things to do, insurance agents, insurance companies, all phishing scams are only her sister. I will never spend any money to buy life insurance. I'm still young and healthy, what do I need to get insurance, if I have a disease, I will use cash "
I do not think that Ngoc is young but has negative thoughts and apathy on such insurance. I just laughed and moved on to another topic. But I think our family is not rich, but I know we will need insurance if we do not get sick. I buy insurance but I never want to use it. And the rich, for them money is nothing, so do not need life insurance must also.
For a while, three or four days I saw Jade not go to work. Asked to know that Ngoc was hospitalized. I called Ngoc but was a man listening to the machine. In the speaker is a very heavy voice.
"You are the same company with Ngoc, I heard Ngoc is hospitalized.
Journey to the ovaries, metastases to the cervix, the doctor said signs of metastasis on other parts, have to operate quickly, health is also stable, but because of metastasis should still be You have to follow and treat me for a long time. "
I do not think that Ngoc's disease is so severe. Tan, I go to the hospital to visit Ngoc. Seeing me, Ngoc happy. Ngoc clenched my hand.
"Thank you for visiting me, my sister, I am very sad, I was very sick and made the family economy more difficult, and the surgery cost me billions, but the result is not where you are. She is on the other side of the hospital bed, she is sick as well, she has insurance, she pays for surgery, hospitalization, medicine etc. So psychological comfort, she is very optimistic. In fact, there are times like this, lying in bed, life insurance, life insurance, cancer insurance. I'm sorry I can not buy it anymore. "
I do not know what to help Jade now besides comforting and advised Ngoc to try, then ask permission to leave.
Two months later, I visited Ngoc again. I know that because no borrowing is allowed so her husband Ngoc has sold the house is nearly 1 billion 500 million. Because of the urgent need of medical treatment, even though they knew about the loss, they also accepted to sell their houses and to live with their parents.
At this point, I shivered slightly. Does Ngoc's disease need so much money? My husband and I have cancer insurance 200 million, if 200 is not enough. When I came back, I talked back to Ngoc and her husband. I was surprised because my husband nodded his head quickly when he heard me asking for more insurance. Perhaps, he understands the importance of life insurance in the face of severe illness.
To pay for insurance, we had to cut back on many things like food, clothes, dishes and even toys. Some people see us cutting costs to buy more life insurance, laughing and telling us to be foolish when we bring the money to get rich insurance companies. He hugged me, hugged me and laughed, ignoring my ear because he and I knew that family was important, not to let their taunting affect family happiness.
Jade, from the day of cancer, the body is sick o, health is not the same anymore. I heard Ngoc because her husband has to go to many partners so now also have gout and hepatitis. This makes the family jade more serious. The new poem saying, "Once you get sick, the rich also have to cry."
I just sighed and thought that if Ngoc and her husband had joined in a life insurance package or a life insurance package before, then the life of the family is nowhere to be.
Every morning I wake up and thank God for protecting my family. And our wife and I are also more reassured about every aspect of life when we have owned two life insurance policies - the most respectable guardian in our family.
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