09 May, 2020

Quora Answer: Why Do I Feel Like I am Gambling with My Life When I Buy Insurance?

The following is my answer to a Quora question: “Why do I feel like I am gambling with my life when I buy insurance?

On the contrary, I contend that you are gambling if you do not buy life insurance.  Without liability protection, do you have sufficient funds set aside in the event of disability or terminal illness?  Having a stroke, and being incapacitated means someone else must take care of you.  That is the loss of two incomes in the household.  Getting a nurse is not cheap.  Neither is the cost of hiring a maid.  There is also the cost of renovating your house to make it wheelchair accessible, for example.  What about evacuation if you fall ill overseas?  What about loss of home and means of living in the event of a disaster?  It is illogical not to get life insurance.



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