My relationship with insurance started in 1997 when I first enlisted in the army. I think many of you guys would share the same experience as myself. The army company I was posted to, let in an adviser to persuade us to buy a personal accident plant. That was my first policy. I wouldn’t have to think about insurance again, until in 2005, a year after I graduated from university. That was about 2 years in, where I already discovered the world of unit trusts. I thought maybe I should start being a responsible adult. After learning about unit trust, I learned that it can be rather suicidal if you put a lot of money into something you do not know much about. I decide to do what I did when I have no idea how to invest in unit trust. I picked up a relevant book, or a few ......