I am very happy to receive mails from my readers because it means you are trying to change things after reading my posts. It is heartening to read about people taking charge of their own financial situations and insurance policies. I am no guru but I am most willing to help and contribute with my personal thoughts. You can contact me through my feedback form or just send me a message through SimplyJesMe's facebook messenger. Anyway, I have received a few queries over this and would like to address this once and for all. For a start, you need to ask yourself why you need to buy insurance. Reasons to buy insurance To cover your existing debts so as not to burden your loved ones - Buy term insurance. To pay for all hospital bills - Buy hospitalisation policies To pay for any accidents without being warded - Buy accident plans ...