Funny conversation

Sometimes, this is what happen when insurance professional (I) ask their prospects (P).

Conversations (of course this is just a short version):

I: Sir, would you like your medical expenses to be paid by us if you are hospitalized?
P: Yes of course, I would like that.

I: That's great. What if we give you a monthly income for a lifetime if you got an accident or illness that left you unable to work?
P: Wow, of course I would like that too.

I: Good. What if we promised you that we will take care of your loved ones financially if God forbid you are not around anymore to provide for them?
P: Yes, definitely. Because I love my family so much. I want them to continue living with enough money, so that my kids can go to a good school in the future and my wife can take care of the household.

I: Fantastic. You are a great husband and father. From the fact find that we did together, I understand that you have this surplus amount of money that you can set aside every month to get the insurance that you need so that you can achieve all the things that we said just now.
P: Yes, I understand that. But I think I want to use the money for something else first, maybe save it to buy a car or go for a vacation. And I think I'm still very healthy now, I don't think I will get sick or die. I'm also very careful that I'm certain that I will not get into an accident. So I can wait for all that insurance stuff.

I: But Sir, as we can see from your finances, you do know that you have outstanding home loan, credit card debt, your university debt and you are also supporting your parents. If something were to happen to you, you do know that your family will be left with all the debt and there will be no one supporting your parents. Is that okay with you?
P: Hmmm.......hmmm......hmm......Ya I understand, it's just that I still think that I won't get sick or die in the time being. I know it........I just know it..... Maybe I will plan next time....


As you can see above, this is how sometimes the conversation will turn out.

People want what insurance can give to them. They really do. But they still have this mind set that "bad things" only happen to other people and they can afford to wait and always want to use their money for other things that are more "exciting".

I'm not saying that you should not spend for yourself and your family. I believe that you should enjoy the moment but also plan ahead for the future.

But unfortunately, too many people fail to plan for the future because they are too short sighted.
They think that they are some kind of "God" who knows the future, they know when they will get sick or die.

Anyway, I will just move on from these kind of people and do what I do best to help others who really love themself and their family.


Cheers! Have a great day.