Since my Dad used to work as an insurance agent, everybody in my family understands the importance of insurance. Insurance is particularly important for people in Indonesia, as most of them aren't covered well by the insurance they have to pay at work, unless they work in a VERY generous company.
When Dad first started becoming an insurance agent, he had a difficult time making people understand the importance of Family Insurance as back then insurance companies had just started opening up. However, with some persistence, he managed to sell some insurance programs. First of all, he had to explain Insurance Plans Pros and Cons so that he could find out which program would be the most suitable for his clients.
I just found out that these days there's a new form of insurance program called Cash Back Life Insurance. Basically it means that you'll get every cent you've been paying to the insurance company at the end of your policy period. Quite an interesting offer, don't you think so? So, are you covered by a good insurance company?