[callmebad]

before you sign up for any insurance policy, make sure you know what you are signing up for and do this serve your needs?

in my view, a lot of the insurance policies are crap, but this is not to say, all are useless

for myself, because I'm like a lot of Singaporeans who are real scared that I can't afford hospital bills when I am real sick, so I sign up for a health insurance policy that will pay for all of my hospital expenses

another type is those insurance policies that will pay for your living expenses in the event you're not able to work due to illness

those investment-linked insurance policies to me are not so useful and quite risky because they are linked to stockmarket performance

travel insurance is quite ok

I receive pamplets from American Insurance asking me to top-up on fire insurance policy for my HDB flat - which I think is bull-shit because the chances of your HDB flat catching fire are very rare, so insurance companies like to ask people to sign up for this, because they can keep collecting and there is low chance of paying out for fire damages

I think if you want to buy insurance policies, buy them from a male agent, to cut down on this kind of dangerous seduction

must clearly separate this out from fucking, because you may end up with expensive fucking (buying expensive insurance policies which may not meet your needs), after all her 'chee bye' is not gold-plated, no point paying so much, is it ?