Are You Covered?

27 Jun 2014

We take care of our prized possessions including our home and our car. We even insure them because we don't want anything to happen to them. So why is it that most people fail to apply that same level of care and concern towards themselves? Towards their loved ones?

For sure, we don't expect bad things to happen to us, but life is unexpected. Insurance cannot make the future more predictable, but it can at least be there when you and your loved ones need it most.

Step 1: Think

What policies do you have? Have you taken any insurance for yourself or does your employer provide you with life and medical insurance? What about your family? Your spouse? Your children? Are they protected?

If no, then it's time to do some serious thinking about it. Think about how you're protected, and about what you need to protect.

Step 2: Do

Before you rush off and buy a policy just for the sake of having insurance, do some research. Not all policies are suitable for you. Different policies have different product features, benefits, conditions and exclusions. 

Do your research and choose the type of policy that best suits your needs and life stage. Protect yourself. Protect your loved ones and get the most out of your money.

Can your family survive without you?

We don't like to think about it, but our time on earth is a limited gift. You might have prepared something to ensure that your family is well taken care of after you're gone, but have you done enough? Life insurance and family takaful can provide them with additional financial security, so that they can live comfortably after your passing. And with policies like investment-linked insurance and child education plan, your family may have the comprehensive protection required.

Do you loved ones need medical care?

Injuries, sickness and disease can strike at any time without warning. Medical care hinges on getting treatment to the patient early and quickly. With the high price of modern healthcare, the treatments that can save the life of someone important to you shouldn't depend on how much you have. Don't let a life hang in the balance because of your finances. Let medical and health insurance or medical and health takaful take care of the hospitalisation and medical expenses.

Have you saved enough for your retirement?

You can't wait for the day when you can finally give it up for a well-deserved rest. However, even with the rate of inflation holding steady, money just doesn't go as far as it used to. Your life savings won't go as far as it used to either, and it's not fair to you. You deserve better.

Retirement annuity allows you to invest your money for retirement, so that in your golden years, the money which you worked so hard for all your life, will finally work for you.

Is your home protected?

Your house is possibly the biggest financial responsibility you will ever face, and there's no doubt you want to keep it safe; safe from natural disasters, accidents and theft. Home insurance and home takaful help protect your investment, your home and some of your belongings in it.

Are you a frequent traveller?

When you are overseas, sometimes even life can go wrong, no matter what you do. Lost passport or getting hurt in a foreign country or worse. Travel insurance ensures that you and your belongings are secured and that you can always find a way home. Personal accident insurance and personal accident takaful gives you 24-hour worldwide protection, so you can be covered anywhere at anytime.

Article source:

Image source: 

Read more ...

How to Choose a Suitable Personal Accident Insurance?

25 Jun 2014

Personal insurance is much different from other insurance policies. Compare with life insurance, personal accident insurance will not pay compensation to illness and death by natural causes. Most of the personal accident insurance will not protect those who unawareness and purposely exposed themselves into dangerous as well. However, its protection value is higher than general policies by its stricter protection coverage.  

What You Need to Know Before Buying Personal Accident Insurance?


Is the protection coverage is sufficient for you and your family? You need to understand the coverage scopes and protection coverage category of a plan. As an example, you may want a policy that gives you hospital and medical care. Beside that, you needed to recognize the compensation for temporary or permanent disability that caused by accident.  Some policies will cover whole costs included medical spending while some other will not. You need to go through and know the type of protection coverage before signing policy.


It is important to read briefly and thoroughly of details of personal accident insurance. Because ignorance of knowing policy will caused unwanted doubt, which will made the claiming process more difficult and possibility of being reject. However, every insurance company has its own policy content with different exclusions. As an example, there is certain personal accident insurance will exclude protection to illness, self injured purposely, dangerous sports and activities. For that reason you need to research and understand the status of every policy before you made decision.


If an individual wanted to get a suitable personal accident insurance, you need know the compensation amount from insurance company to pay. Every type of injuries has different compensation payment. Meanwhile, the plan's benefit will vary among different insurance company. The difference will depend the insurance company itself, some will offer 100% insured amount to certain injuries, while some other insurance company will offer 50% only. The insured amount means the maximum payment will be issue by insurance company when accident happened.


Nominee or beneficiary is important if a policyholder has passed away the nominee will receive compensation from the insurance protection. Therefore a person who interested to sign up personal accident insurance is advised to provide a nominee or beneficiary, and make sure that they notice about the matter. Naming the beneficiary is important to made policy money payment to be done fast.

Article source: 

Image Source:
Read more ...

10 Tips To Reduce Stress

24 Jun 2014
Tips for Avoiding Stress Through a Healthy Diet and Lifestyle

Consistent eating pattern

  • Small but frequent meals is encouraged while the three main meals, which are breakfast, lunch and dinner are necessary. A healthy diet starts with a great breakfast.

Choose a balanced diet 

  • A balanced diet which consists of a variety of food must be based on the food pyramid.

Reduce the intake of caffeine

  • It is recommended that the intake of caffeine such as tea and coffee does not exceed 2 cups a day. Drink plenty of water. Excessive intake of caffeine will increase stress levels and reduce concentration and effectiveness in performing work in addition to affecting the quality of sleep.

Reduce the intake of salt

  • Excessive intake of salt could cause high blood pressure. Reduce the intake of food that is high in salt such as fast food, seasoning powder, canned food, salted fish, salted egg and pickles.

Reduce sugar intake

  • A high intake of sugar could reduce the immune system’s capacity to manage stress. Besides that, it could also increase the sugar level in the blood, which may cause obesity and increase insulin resistance.

Quitting from consuming alcohol or alcohol abstinence 

  • Gradual reduction of alcohol consumption would maintain body balance and avoid stress.

Sufficient vitamins and minerals through a balanced diet 

  • Sufficient intake of vitamins and minerals could increase body balance and avoid stress. Rich sources of vitamins and minerals are fruits and vegetables.

Consumption of food containing probiotics

  • Consumption of food containing lactobacillus acidhophitis could stop the growth of pathogenic bacteria and   increase immunity against stress.

Maintain body weight

  • Maintaining ideal body weight and perform physical activities for at least 3 times a week for 30 minutes could give inner peace while the body becomes more active.

Quit smoking
  • Nicotine in cigarettes gives short term feeling of relaxation but the toxin in it would increase heartbeat and stress.

Article source:

Image source:
Read more ...

Why You Need A Personal Accident Insurance?

23 Jun 2014

We heard and read a lot of accident news through mass media almost every day. Motorists were those who majority involved in accident because they had higher risks involve in accident.

Motorists often become killed victim on the road, because they have to face with car, lorry and bus drivers. Many people will fear to hear and witness this kind of accident. But do we ever thought to provide oneself with extra protection such as personal accident insurance to secure ourselves and loved ones.

How Important is Personal Accident Insurance?

Accident is Unpredictable

We have daily routine such as on and off to work in our vibrant life. There is accident news reported daily as well. The situation is worrying, especially motorist because they have higher risks. Taking precaution steps is not enough, because accident could happen in any unexpected time. So this is the reason why personal accident insurance should be included as extra protection during critical moment, instead other precaution preparation. 

Insufficient Savings

Life in the metropolitan city could be challenging due to increasing cost of living. It is not surprise if we does not have savings at all or just in small amount. Have you ever thought that you could loss your income if you involved in an accident that probably could paralyzed you? Does your savings able to support daily spending and pay for all commitment without consistent or permanent income? In fact it will become worse if you were the only one breadwinner for your family.

It will be more unfortunate if someone involved in an fatal accident. The family, children and loved ones sure will get the impact, especially if the victim is the only source of income. All those factors will make you think and review the need of personal accident insurance. However, it is your own choice to decide whether you want to purchase or not a personal accident insurance for future protection.

Insurance Provided by Employer is Limited

It is an advantage when employer taking care of employees by providing insurance protection. But employees should not over dependent on such insurance because the protection only provide you if you still working with the company. What if you were unemployed or loss your job on certain reason?

Despite your company provide insurance probably in limited protection. Therefore, it is reasonable to own an extra insurance coverage such as personal accident insurance as low as RM100 per year. Beside that, it will also gives you freedom to choose any suitable plan and protection by your own.

Image Source: 

Article Source:
Read more ...

5 Reasons Why You Should Protect Yourself with Insurance?

19 Jun 2014

1. To protect family income

For many families, continuity of income is dependent on the continuation for life and health of the breadwinner. Life insurance guarantees adequate family income in any unpredictable event.

2. A plan of medical or health

Most people complain about the rising cost of health treatment but they don’t make an effort to get additional protection. Only people who think wise for their future will protect themselves with insurance to ease the burden of high medical cost.

3. Financial protection as provident fund when in permanent or temporary disability

Due to the breadwinner disability, life insurance and personal insurance will ensure and protect the needs of the families will not affected.

4. A plan for the children education

All parents have high dreams for the future of their children. This is the reason why life insurance is a good back up plan for long term benefits to protect their children in the future.

5. The retirement fund

Do not just rely on the Employees Provident Fund (EPF) and pension. In fact all working people look forward a happy retirement. So by protect yourself with insurance it is a practical step toward that goal.

Image Source:
Read more ...

What Causes Obesity?

18 Jun 2014

Causes of obesity. Obesity is generally caused by eating too much and moving too little. If you consume high amounts of energy from your diet, particularly from fat and sugars, but do not burn off the energy through exercise and physical activity, much of the surplus energy is then stored by the body as fat. Calories.

The energy value of food is measured in units called calories. The average physically active man needs about 2,500 calories a day to maintain a healthy weight, and the average physically active woman needs about 1,500 – 2,000 a day. 

For example, eating a large take away fast food like hamburger, fries and soft drink can total 1,500 calories, and that is just one meal. Another problem is that many people are not physically active, so lots of the calories they consume end up being accumulated in the  body as fat.

Malaysia's Obesity Rate Highest in Asia

Malaysia has been rated as the highest among Asian countries for obesity. According to the findings from British medical journal, The Lancet, showed that 49% of women and 44% of men in this country were found to be obese.      

The risk factors that contribute to obesity can be complex combination of genetics, metabolic, socioeconomic and lifestyle factors. Some  endocrine disorders, diseases and medications can also cause weight to increase. 

Common Factors Influencing Obesity

Genetics:  Studies have shown that you can  inherit a tendency toward obesity. Your chance of being overweight increases 25 percent if one or both of your parents is obese.

Lack of Physical Activity:  Many people have jobs that involve sitting at a desk for most of the day.  Lack of physical activity is another important factor related to obesity. Most of them also more rely on theirs cars rather than walking, taking the stairs or cycling.  The more people relax the more they tend to watch television, surfing internet, play games and rarely take regular exercise or start doing physical activity.

Metabolic: How you expend energy differs from how someone else will. Metabolic and hormonal factors are not the same for everyone but these factors play a role in determining weight gain.

Lifestyle: Poor diet and overeating in combination with a sedentary lifestyle contributes to obesity. Unhealthy eating habits from parents when you are young and continue into adulthood. Changing your behavior can affect these lifestyle choices. The best way is avoid drinking too many sugary drinks, fast food, eating large amount and so on. 

Article sources: 

Read more ...

Boost Your Health Naturally With Honey!

17 Jun 2014
What is Honey?

In a nutshell, honey is a 100% pure and natural sweetener made and stored in honeycombs by the honey bees. Nearly one million tonnes of honey is produced worldwide every year.

Vitamins in honey include B complex vitamins, essential for the production of energy in the body. Honey contains a balance ratio of healthy sugars including fructose and glucose to offer a pre-workout energy boost that is also sweet like sugar. 

Not only that, but it also contains vitamins, minerals and protein. According to the National Institutes of Health, honey is hygroscopic, antibacterial, anti-inflammatory, and has remarkable debriding action. 

Honey is a sweet treat. In fact, it is man’s oldest sweetener. It can be a good substitute for sugar in our drinks and food. But it also good for many other things and treating many other conditions. Reliance on commercialized medicines which contains too much chemicals can become hazardous to our health.

What Are the Benefits Health of Honey?

Soothes Sore Throat
  • One of the better known health benefits of honey is that it is able to help treat sore throats. Honey not only soothes throats but can also kill certain bacteria that causes the infection. The Chinese believe that excess “heatiness” in the body causes sore throat and taking honey drink can be helpful.
Heals Wounds
  • When honey comes into contact with body moisture, the glucose oxidase enzyme introduced to the honey by the bee slowly releases the antiseptic hydrogen peroxide at a sufficient level to be effective against bacteria but not tissue damaging. Not only is honey anti-bacterial, it also draws body fluids and nutrients to the area and so assist cell growth and prevents a scars forming by drying out of the wound.
Boost Memory
  • Studies show that consuming raw honey can improve memory. It also offers many other health benefits. Raw honey calms nerves and relieves anxiety, there by promoting relaxation and rest. One to two teaspoons per day is recommended.
Has a Low Calorie Level
  • Another quality of honey is that, when it is compared with the same amount of sugar, it gives 40% less calories to the body. Although it gives great energy to the body, it does not add weight. 
Reduce Scalps Problems and Dandruff
  • In a study involving patients with chronic seborrheic dermatitis and dandruff, the participants were asked to apply honey diluted with 10 percent warm water to their problems areas and leave it on for three hours before rinsing with warm water. In all of the patients, itching was relieved and scaling disappeared within one week. 
  • Skin lesions were completely healed within two weeks, and patients showed subjective improvement in hair loss as well. When applied weekly thereafter for six months, patients showed no sign of relapse. 
Article Sources: 

Image Source:

Read more ...

The Budwig Diet

16 Jun 2014
Dr.Budwig diet has been successfully helping people with tumors and degenerative diseases, but also Arthritis, Asthma, Fibromyalgia, Diabetes, Blood Pressure, Multiple sclerosis, Heart Disease, Psoriasis, Eczema, Acne and other illnesses and conditions.

Budwig Diet Flaxseed Oil and Cottage Cheese (FOCC) or Quark recipe:

Generally, each tablespoon of Flaxseed Oil is blended with 2 or more tablespoons of low-fat organic Cottage Cheese or Quark.

1 US Tablespoon = 15 ml and 1 British Tablespoon is 18 ml - 16 tablespoons = cup and 4 tablespoons = 1/4 cup.

Note: Whenever Tablespoons are mentioned it is the standard US tablespoon, which is the equivalent of the British "dessert" spoon.

How To Make The Budwig Muesli:

  • Blend 3 Tablespoons (British dessert spoons) of flaxseed oil with 6 Tbps low-fat (less than 2%) quark or cottage cheese with a hand-held immersion electric blender for up to a minute.
  • If the mixture is too thick and/or the oil does not disappear you may need to add 2 or 3 Tablespoons of milk (goat milk would be the best option). Do not add water or juices when blending flaxseed oil with cottage cheese or quark. 
  • The mixture should be like rich whipped cream with no separated oil. Remember you must mix ONLY the flaxseed oil and cottage cheese and nothing else at first. Always use organic food products when possible.
  • Now once the flaxseeds oil and cottage cheese are well mixed grind 2 Tbps of whole flaxseeds and add to the mixture. Please note that freshly ground flax seeds must be used within 20 minutes after being ground or they will become rancid. Therefore, do not grind up flaxseeds ahead of time and store.
  • Next mix in by hand or with the blender 1 teaspoon of honey (raw non-pasteurized is recommended).

  • For variety you may add other ingredients such as sugar free apple sauce, cinnamon, vanilla, lemon juice, chopped almonds, hazelnuts, walnuts, cashews (no peanuts), pine kernels, rosehip-marrow. 
  • For people who find the Budwig Muesli hard to take these added foods will make the mixture more palatable. Some of our patients have even added a pinch of Celtic sea salt and others put in a pinch of cayenne pepper for a change.
  • Dr. Harvey Diamond who wrote a book on the importance of "food combining" and other experts recommend not mixing fruit with other foods (they say to eat fruit on its own on an empty stomach and wait 10 minutes before eating other foods) If however you do not have any digestion problems you may want to add various fruits, especially berries fresh or frozen. No more than 1 cup of fruit should be added.
  • Add ground up Apricot kernels (no more than 6 kernels per day). Or you may decide to eat these apricot kernels on their own.

Nausea : Some people get nausea from the ground flaxseeds, to counter this by taking a small bowl of papaya immediately afterwards or some fresh peppermint tea. Also, put a lot of papaya into the morning muesli too, it may be there is a special enzymes in the papaya that quells the nausea.

The Benefits of Flaxseed Oil

Omega-3: Essential fatty acids, "good" fats that have been shown to have heart-healthy effects. Each tablespoon of ground flaxseed contains about 1.8 grams of plant omega-3s.

Lignans: Which have both plant estrogen and antioxidant qualities. Flaxseed contains 75 to 800 times more lignans than other plant foods.

Fiber: Flaxseed contains both the soluble and insoluble types.

Image From: 

Articles From: 
Read more ...

Bring Nature Into the Future! FLORIA Putrajaya 2014

13 Jun 2014
Come join and feel the excitement at FLORIA Putrajaya 2014. Don't miss out on this exciting festival. 

Engaging Nature!With more plants, carbon sinking will provides a cooler micro climate effect for the community while sustaining the environment.

Would you like to grow & own PLANTS?

Without Soil, Without Land, Without Water, WithoutPruning, Without Fertilizer. 

Just Adopt One!!

For More Info Please Visit Our:

Read more ...

How Does Apple Cider Vinegar Help You Lose Weight?

12 Jun 2014

Apple Cider Vinegar (ACV) is an effective natural bacteria-fighting agent that contains many vital minerals and trace elements such as potassium, calcium, magnesium, phosphorous, chlorine, sodium, sulfur, copper, iron, silicon and fluorine that are vital for a healthy body.

Over the centuries, vinegar has been used for many purposes: making pickles, killing weeds, cleaning coffee makers, polishing armor, and dressing salads. It's also an ancient folk remedy, touted to relieve just about any ailment you can think of.

There is also good science behind why apple cider vinegar would encourage weight loss even more effectively than eating raw apples. In generals, acids help with the digestion of protein, the building blocks for some of our hormones, especially growth hormone. We've seen how this hormone is instrumental in breaking down fat cells.

In recent years, apple cider vinegar has been singled out as an especially helpful health tonic. So it's now sold in both the condiment and the health supplement aisles of your grocery store. While many of the folk medicine uses of vinegar are unproven (or were disproved), a few do have medical research backing them up. Some small studies have hinted that apple cider vinegar could help with several conditions, including diabetes and obesity.

What are the Benefits of Apple Cider Vinegar?

Natural Apple Cider Vinegar is a wonderful natural cure for a number of ailments which usually require antibiotics and other medications that have a number of side effects. In particular, Apple Cider Vinegar has been known to:

  • Prevent muscle fatigue after exercise
  • Improve digestion and relieve constipation
  • Strengthen the immune system
  • Balance entire inner body system
  • Help keep blood pressure down
  • Balance high cholesterol
  • Increase metabolism

Recommendation for taking apple cider vinegar to lose weight:
  • 1 to 2 teaspoons apple cider vinegar + 1 teaspoons honey + 1 glass of water
  • Drink before meals, 2 times a day

Sources From: 

Read more ...

Are insurance savings plans all they claim to be?

11 Jun 2014
A FEW weeks ago, Mr Tan, a regular client, came by the office. He was excited about a new investment he had made, in an insurance savings plan.

He was confident it would give him good returns while offering substantial insurance protection.

Mr Tan had acted without first seeking our advice, which was unusual. However, that was not what rattled me most.

First, some background about Mr Tan. Now in his mid-forties, Mr Tan became our client about six years ago. Even then, he had been saving and investing for a good 20 years. He was an easy client to advise because he understood the fundamentals of good investment. He did not rely on luck – he looked instead to hard work and sound advice when deciding where to put his money.

This clear-eyed approach had served him so well that Mr Tan was already able to retire.

So when he came to the office describing his latest investment, I was very concerned as I am familiar with this product.

“The agent explained to me that I could buy the insurance policy by paying RM50,597 a year for five years. That means a total investment of RM252,985. Under the plan, I get RM3,960 annually for first 5 years and RM7,920 for next 19 years. At the end of 25 years, I get an additional RM398,362. That’s a total of RM568,642.

“It’s win-win. I’m protecting myself. I’m also investing for the future. And should anything happen to me, my children will get the money.”

I have often written and talked about insurance savings plans with one clear message: seek advice first. Thankfully, I was able to persuade him to leave the documents with me so that I could have a closer look

As I scrutinised the paperwork, I saw what I had anticipated – that the deal was not as sweet as it had sounded.

Under Mr Tan’s plan, with annual returns and the lump-sum payment at the end the client gets back RM568,642 for an investment of RM252,985.

A key point to note is that insurance savings plans always demonstrate their worth by using ringgit values and not percentages.

It is very difficult to compare a ringgit value return to the fixed deposit rate, which is what most people would use as a benchmark.

Very often, these plans offer death coverage. In Mr Tan’s case, it was to the amount between RM136,000 to RM424,000 . This plays on a person’s natural fear of mortality.

If anything happens to the client, that money is paid to the family. This is a comforting thought – the client now feels that they are securing their future as well as helping their children’s.

I called Mr Tan and asked to meet urgently. I explained my serious reservations to him and presented alternatives. “Mr Tan, why don’t you optimise what you have by buying a term insurance policy for a smaller premium to cover you for the same amount?”

“You can always invest the difference in an investment that can earn you a return of up to 8% per annum. You have been achieving that kind of return for your liquid investments for the past 10 years. At the end of 25 years, you will get something like RM1,153,439.”

“This is so much more compared with RM568,642 that you get from the insurance plan. This plan is suitable for those who need forced saving and don’t have investing knowledge to invest their saving. However, it is definitely not for you.”

For a while, Mr. Tan stared at me blankly. Then it all clicked and he said, “I should never have invested in this. Thankfully, I’m still within the ‘cooling-off’ period. I can get my money back.”

Relieved he was willing to accept the advice, I relaxed. Over a cup of coffee, I asked him what really happened as he was usually so careful.

He sighed. “I don’t know. When my banker came to see me, he brought an insurance agent with him. They were very convincing, talking about saving money and leaving something for my family. I was so taken by their presentation that inside my head, everything jammed.”

I smiled at the word “jammed” because I knew exactly what had happened.

Mr Tan was a man who was used to straightforward investments. However, this was a hybrid – an investment combined with insurance. It was presented to him in a polished package, with many emotional factors. He became confused and couldn’t objectively dissect the benefits the way he usually would have.

As we parted, Mr Tan said: “I completely forgot what you have told me time and again: that insurance is not the same as investment. Insurance companies can give me coverage and protection. But that does not mean they are experts in making my money grow.”

With even a seasoned investor like Mr Tan taken in, I couldn't help but think of all the younger, less experienced players. This is what I would advise:

If you are presented with an investment opportunity, you must be clear about:

● What you’re investing in exactly;

● What is the annualised return on your investments, and

● What terms and conditions you are agreeing to.

If you are not comfortable or not confident that you understand everything fully, never be pushed into agreeing. Seek advice or reject the offer outright. It is your right.

Yap Ming Hui (, best-selling author of Set Yourself Free, is increasingly concerned at how often honest Malaysians are misled into parting with their money.


Read more ...

Do You Know Green Apple Scent Can Reduce Migraine?

6 Jun 2014
An Apple a Day Keeps The Doctor Away

A migraine is a severe, painful headache that is often preceded or accompanied by sensory warning signs such as flashes of light, blind spots, tingling the arms and legs, nausea, vomiting, and increased sensitivity to light and sound. The excruciating pain that migraines bring can last for hours or even days.

Migraines can be set off by anything and people have a several ways of dealing with them. For people on the go and who can’t afford spend their day rest at home, green apples might be a a simple home-made remedy for curing that aching head pain.

Headache experts agree that certain odors seem to either arouse or apprise of migraine onset. The smells of certain foods such as green apples may help reduce migraine pain. 

“It is health that is real wealth and not pieces of gold and silver”.
Mahatma Gandhi

Sources From:
Read more ...

Why Young Generation Need Insurance?

5 Jun 2014

It was common difficult to persuade young generation to withdraw money to pay for health, accident and life insurance It is because they likely satisfied from the long term individual protection. Once the quote said, don't have thy cloak to make when it begins to rain, we were unable to predict what would happen in our daily life.

the young generation being advised to own an insurance because it would costs higher according older age, limited income and insufficient spending for insurance commitment may not be an reasonable excuse.

Daily life needed to spend more because of prices hike nowadays, it will effected individual's monthly saving indirectly. Therefore, insurance is an important protection for young generation for them to cope with various risks from accident, disaster and sickness, such issues that can changes personal and family life stability.

However, many young generation is still unaware of the importance to own an insurance, because they believe that more important commitment have to prioritize because they have just started work, such as car insurance, house insurance, bills, education loan, credit card and so on.

Furthermore, young age and healthy psychical is the common perception for them, they think only aged people would needed protect by insurance because they have higher possibility to fall sickness.

Such perception incorrect certainly because sickness and disaster will not happen according age, location and time. There is still many who is not knowing that insurance should purchase when they were healthy, because the one who strike by sickness or accident could cause them lost their job . 

If the young generation unaffordable to buy life insurance that needed higher monthly payment commitment, they still can start with buying cheaper like personal accident insurance. At least they got protection for themselves when driving car or riding bike on the road.

Despite, owning minimum one insurance at young age is a wise protection, because only certain insurance company will provide protection when a person reaches age 40's or health defect issues. 

The young generation should not delay longer in taking early steps for extra self protection, insurance is not a loss, it comes with purpose to protect someone's health and finance in the future.  

Read more ...