Life is very uncertain, things are not permanent. As they say, the only permanent thing in this world is change. Hubby and I were talking about it and how spontaneous life should be. Actually we were discussing about travel and insurance. We find it amusing (more on his side), how people can plan ahead of their time, one thing we both cannot do. Like for example, a week ago, when an airline offered a seat sale that can only be used next year, most people bought a lot of tickets even though they are not sure if they can make it next year. To us, the airline company is not actually giving out seat sale, it’s like they were selling some sort of insurance policy. It’s like you bought it cheap at a certain time but as it matures, the value of your policy increases. That’s almost the same as buying a an airline seat ahead of your flight schedule.

But before we go on with how capitalist utilizes the word sale, we shifted our topic to insurance. This is one topic that took us years before we finally understood. And not just years but also a lot of convincing from my mom’s. She already offered us multiple life insurance quotes, based on our needs, our capacity to pay and the coverage we have to take into consideration. She even discussed to us the different type of insurance and why some are cheaper than the others.

Let me share with you some of the terms that she used just to convince us. She talked about whole life insurance, an insurance type that provides protection for your dependents. This type of insurance builds up a cash value. Another one is for a policy holder who loves risk, this one is called variable life insurance. It provides protection for the policy holder. She also mentioned about term life insurance but she said, this was not really popular here in our country. She said we should focus on a life insurance that will provide permanent protection to our dependents, which is our kids. And to that we said, amen.