Every day, very fortunately, we wake up ready to conquer and achieve our daily goals. Sometimes they are easily reached, but we aren’t always so lucky. Millions of people start their days like this, some tired, some not that motivated, and others excited.
Imagine a Monday morning, like every other week, starting your daily commute to your destination, with thousands of people riding along. The average person may be thinking about the mortgage bills due next week, or the child’s school payment, that surprisingly keeps growing with your son’s age, or maybe, why the car still has that “tic-toc” noise that you spent two hundred dollars fixing and that you still owe one year on your car loan. Lets not talk about other bills like electricity, water, and Internet or cell phone. Maybe you are not that kind of person and belong in the other group, the young warriors, the ones that are starting out their professional careers. Those people don’t have many bills, however, they are lucky because probably they don’t earn enough money and barely have enough to sustain themselves for now. Maybe later, you suddenly joined the other group.
Both have a similar problems, money flows in and out of their pockets, sometimes leaving them with little to save and invest, or maybe for leisure time. Other realities that they face, are the day to day risks we encounter, risks that cannot only drag you down economically, but can also affect you for the rest of your life. Just one honest mistake made while driving, can cost you millions of dollars. Also, an error you commit as a professional with a client, can end up with a lawsuit. These kinds of exposure are a reality we have to be prepared for, and not wait to experience it, or take the chance and try to avoid it. You wouldn’t want to put your money in such a gamble.
Personal and professional liability shouldn’t be your only concern; there are other uncontrollable hazards that can end up in huge loss. With that, I mean fires, earthquakes, windstorms, or even robberies. Imagine the time and effort dedicated to your dream home where your family lives, in a peaceful neighborhood surrounded by happiness. Suddenly, you received a phone call, informing you that your house caught fire and it has burned to the ground, and you do not own an insurance policy. School bills, phone bills, and water bills are pieces of pie next to this devastating scenario. This is one risk nobody should take.
Diseases are everywhere, cancer rates are expected to increase, and one simple accident on vacation can leave you disabled, unable to even go to work. If that is the case, where will the money come from? Not only that, will it be enough to sustain your lifestyle? Government help isn’t enough to pay for mortgages, or even for the overly priced medical expenses.
Insurance offers you peace of mind. Knowing that, even if the risk is still there, moneywise, you have nothing to worry about. The exposure of risks is for everyone; it’s like a ticking time bomb waiting for the perfect moment. “It’s best to have your tools with you. If you don’t, you’re apt to find something you didn’t expect and get discouraged.” King, S. (2000). A memoir of the craft.