When one started working, they are exposed to many risks, such as accident, sickness and also company might goes bankrupt.
To protect themselves from such risks, it is advisable for them to buy insurance. The protection here is in terms of funds, not defensive shields like those in ancient war. Please don't misunderstand.
When one of the above mentioned incidents occur, they will have cash paid to them by insurance companies to cover their losses. To get this privillege, one must pay a small fee monthly to be eligible for such protection. There are various insurance plan. I suggest one to seek professional insurance agent to explain further about those insurance plan.
If one ventures into business, he or she also needs protection. However, I will not explain about that now. Maybe the next postings. ;)
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