I am a SSE in a MNC, and was never intrested with the insurance plans, because I have lived life everyday. I have already taken two home loans and a car.
One day, my collegue had an heart attack (thank GOD, he is alive!!!), but had to undergo medical treatments which cost him close to abt 10 Lakhs. According to him, all his saving were shelled towards his treatment and now he is building up his savings again.
Thats when I realised that I need to secure my family members. I made up my mind to not to pass on any burden (financial) to my family. That when I came across insurance which was suiting my needs.
I called some insurance agents and had a brief discussion on my situation. But most of the advicers are not capable of explaining the terms and conditions.
Then I met an Advisor in MetLife, I gave him my requirements and he gave me a perfect plan.
After discussing the plan with my family members, decided to take the plan.
So, one day I had a appointment with the advisor and filled the necessary forms and was done. I also had my complete health checkup done and got me and my family insured.
I think each and every person needs to be insured. But before doing so, please make a list of the liabilties that you have and then take a plan which covers that.
Thanks a lot and happy living.