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Assured life

Life is  always and unpredictable concept ,but how easily we can make sure not only ourselves but also the world that we know about that for so many years we will be alive.. Do you know what is the proof that is life insurance policy...
 I will share an experience of my life once I thought that life will be what I plan I think and taken insurance policy which is having premium of half of my salary per month.Suddenly life changed and I hadto resign from my job and become a full-time housewife . Now we were unable to pay the premium and so asked for surrender the policy . That time we come to know that only one fifth of the premium will be refunded if we do it. For 8 years we managed anyhow by cutting sometimes necessary expenses .to and come to the conclusion ..
Then one day I joined 1 private insurance company for training of agent they told us that by hook and crook you have to convince the person and draw a huge amount of premium we will offer you foreign trips also .. Some of the members do it successfully and who not succeeded they pay the premium buy their own pockets for their family members to avoid undue pressure of the officials.  That time I just refused to do so . Though  I passed exam for an agent in the first grade why because I gone through the experience how it will be difficult when a person is unable to pay the premium . We had taught that if we will sell the policy to you your family members will be financially protected after your death.  But my question is when someone is dying there is nothing left for him or her in this world and to gain the financial benefit for family members we have to die first . This is the policy when  in very sophisticated words we are finding the permissions at last . I haven't surrender for the pressures by the company and didn't on a single paisa as premium but my soul was not pinching me all the time.. I know that principle of insurance is very good but I cannot bargain it with someone against his or her death.

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