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Any minute a high-rise building can collapse without a warning

You may accidentally stepped on a little wood but find yourself amputated you didn’t know you have diabetes

Things happen and leave you surprised

Constant vigilance is advised.

A neighbor’s dog could bite you while going for a jog in your street,

Or a random theft could slice you on your way to the loop

You were advised but you didn’t take the precautions

Now your family’s at loss

These are just a few things that a local rapper found amusing when he composed it, but it takes too much a lot of thoughts to get the real meaning of it. Accidents happen when you least expect them, its constant vigilance as stated above that we need to take. But death, should be treated as a friend, when it arrives, and the only way to be more prepared to welcome IT, is if we are sure that when we leaves this world, we get to give our families the legacy of living in comfort, even with us being gone.

Let us not wait for the things to worry about themselves in the future, that would never happen, a single cent a day would help us get the insurance we need, we never know until when we can work for our families, the more insurance coverage the better.

We don’t want to leave our love ones empty handed when we go, our words of wisdom are not enough, because they’ll be lost on utter disappointment of us being gone, what they need is financial assistance to carry on with their lives with us being gone. It is not being cynic, but being responsible of the impact we give on people. We should not be remembered for being someone who left without goodbye, but someone who tried to stay even if the time’s gone.

And all it takes is a life insurance.

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The office clock strikes 8am, you are almost late, it’s a good thing the trains are available in the middle of the metro. Lunch time arrives, but you deprive yourself your lunch because you want to go home early for your family. You finish all your reports, and presented them to your boss. And that’s when you felt your stomach cramped, you didn’t mind it at first, you waited until you had to get home. When you were home, the pain resurfaced, but you bought yourself pain reliever, and acted normal. It was when the lights turned off you started to panic, your vision is blurring, at first you made yourself think that it was sleepiness, but then you felt your tummy ache again, this time, it’s like a blow hit you straight to your stomach up to your bagpipes, and you shouted, but no one hears you because they were asleep, you gathered your strength to go out of the room, and you opened your door, and the darkness ate you. You passed out, everyone in the house were wide awake, and brought you to the hospital

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At the hospital, they didn’t admit you, because your mother didn’t have enough money to have them admit you, she cried her heart out worrying that you may not survive, because you were unconsciously shouting, she had to call your godfather for help, but they were all asleep, it’s good that you have brought your younger brother a pretty classy cellphone, so he needed to have it pawned to his friend even if he was having a hard time, he thinks you can get it back when you are better. You weren’t able to go to the office the next few days, and got terminated. Everyone in the family starts taking jobs to help you, and then you recovered, that’s when you were hired fortunately by one of the biggest call center in the country, there they introduced you to the benefits, and they focused on their health benefits where you suddenly felt your eyes wet, you didn’t know that the company you’ve worked for in 6 long years, didn’t even manage to care for your health, when you gave them your all, even your time for yourself whereas a call center such as this, gives you these health insurance benefits, when you barely started taking calls. Your family needn’t have pawned their things that you bought for them; you could have spared them the humiliation of the neighbors looking at your stuff being carried out by truckers. Your brother shouldn’t have dealt with his friends who pushed drugs, if it weren’t for the pressure of buying your medicines. You are a good person who just forgot your health. You deserve to be covered. Good thing your company gave you the health benefit you deserve.

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A husband may say to his fellows how much he loves his wife that it may even get a whole eternity to spend it with her. He looks at his kids as treasures he delivered with his wife to the world; he thinks about them day and night even on times they are together. At work, he has no other thoughts but his family on not so busy hours. He is proud of his sons’ achievements and treats them as his own. He is the father and husband everyone’s ideal to get.

One day, the good husband and father takes the ride going to work, his sons at school, his wife preparing for lunch. He was so happy of the challenges that his boss poses at him, he even has plans to counter-feed his boss, but the bus on the main road, just around the stoplight had a flat tire and screeched to a halt, while all the others behind tried to stop abruptly, too bad that the husband was sitting at the front of the vehicle, he got his head bumped to the window and hit it hard, that hours later he died.

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The unknowing family waits for the good husband and father at home, but instead what they got is a call from the city hospital announcing their beloved man dead-on-arrival. They all went to the hospital, and paid for the bill, they were crippled for he was the only man working, all the kids are at school and the house and the bills are endless, they even had to shoulder his funeral.

The kids stopped school for they had to pay a thousand bucks a month just to get proper education, the wife started working and the oldest son had to get a job from the hospital where his father died to pay for the bills and to make money for food, “he was a good father” the eldest thought, “but he left us with nothing, but heartaches and miseries, when he left this world”. He cried until he can, and lost his hope, years later he watched his family starve and couldn’t take it anymore, he had to do things he don’t need to feed his brothers and mom. The “ideal family” crippled because of the lost of the good man everyone wished to have as husband and father.

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Would you wait for this to happen to yourself? Why act later when you don’t have the capacity to act. Cover your life. Get a life insurance coverage NOW!!!

They say that the best things in life are free, but it’s also true that we pay a hundred bucks or even thousands with things that we don’t really need, but feels it so hard to save a single penny for a health insurance.

The lifestyle that we lead nowadays are really prone to sickness, and as hard as we may to ignore it, the hardest reality slaps us the facts straight to our faces. A burger in your favorite fast-food franchise is cooked three minutes for preparation and takes off a whole day from our health adequacy. A stroll in the park gives us back another day to pay for it, but we are too busy to walk, we need to drive or ride to get to the source of income which is our abode of EMPLOYMENT. As we sit to our computers at work, the junk foods we consume takes off another few hours, plus the sticks of cigarette some of us would get takes off minutes or even hours. But not all companies provide us quality health insurance to pay up for it.

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We see things on how they are now, but we fail to see them days or even hours from now. We pay for things that usually lead us to our ends. We only get one life, and if we value it, we may enjoy it better if our health’s intact.

A sick person can only realize the importance of these things when they’re counting their days, but do we really need to wait for our clocks to tick, we need to see the present clearer. What we need is a health insurance for them to take care of us, so we may take care of our loved ones.

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Some people do not really understand the importance of health insurance, because above all existing matters, they are more conscious of the rates and the hassles of getting one. But it’s not at all as tedious as it sounds. The following information is aids to assist anyone who’s interested in availing the benefits of an individual health insurance.

One should gather information usually needed when filling out an application. The names and addresses of doctors for and your family members, the dates of the most recent visits, and information about your most recent insurance policy should all be ready for the forms.

If you work, you can even get an insurance through your concerned Employer.

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If you’re enrolling in a health insurance plan through your employer, you would usually need a medical examination which is done when you first applied or yearly for updating, you may have to wait for the company’s next enrollment period before you can apply. However, if you’re a new hire, you likely can apply immediately. The application process for enrolling in a group plan is quite simple, because most plans will enroll everybody, regardless of pre-existing conditions and current state of health.

All you need to do is to fill out an enrollment form, which includes personal information like: name, address, social security number, designation of the primary insured and all dependents with the names, ages, dates of birth and social security numbers for all dependents, employment information including hire date, and the type of health insurance coverage you choose. You may also be asked to provide information about your prior health insurance coverage, including the insurance company name or policy information number.

The completed application goes back to the benefits coordinator of your company, who will process your form, and voila! You’re done!

You pro-actively look out for yourself!

Everything’s the same as above except that you’ll be handling all the paper work yourself. Some insurance companies will send an insurance agent to explain the application process with you. In these cases, the agent will often work with you to gather the necessary documentation, coordinate an in-home medical examination, and collect your pre-payment check. It is so simple that some people decide to apply for health insurance online. To do so, just visit the health insurance company’s web site where you’ll find an online application form. You’ll have to provide the same type of personal and employment information as above, and you’ll just enter it onto an online application form.

Everyone needs taking care of and security nowadays. As the cliché goes YOU CAN NEVER BE TO SURE.

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