Never had planned to get a life insurance. Better get a memorial plan, I guess.LOL. Getting an insurance is just like putting your money in the bank without interest and yet you are not sure if your beneficiaries could claim it in whole or in part should you die because insurance have SO MANY exclusions in their policy. Oh well, they’re just making sure they get more money than you!hahaha. One permanent exclusion in life insurance is death due to illness (right?). Thus, I dreaded the thought of going through series of medical examinations before you could get a life insurance policy. However, there are no exam life insurance available in the insurance market today so that’s one thing that people will consider in choosing between insurance companies. This must be something worth to reconsider. Will think about this, that is, if it still wise and practical to get a life insurance nowadays.
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