It is Good to be Insured to be Sure

“It is good to be insured to be sure.”

Those are what my colleague said while we are waiting ii line at the Government Service Insurance System (GSIS). He says that having insurance gives the person lesser worries. Be it insurance for your car, property, and even for your funeral – those insurance programs will be helpful to you.

However, many people have qualms in getting insurance. One of the reason is that many of them had to undergo strenuous application. Insurance companies will have stringent policies for accepting members. Many of the insurance companies demand ITR and other financial documents. Some insurance companies have strict policies when it come to medical or health issues of the person applying for insurance programs.

Because of these strict policies, many people do not get insurance that might help them in the times of dire needs or when an emergency occurred.

To address these issues about insurance, there are companies that offer policies that are less stringent than the regular insurance companies. There is an insurance company that offers No Exam Life Insurance. Also, there are other insurance companies that are not strict when it comes to financial documents.

So, if you are looking for an insurance company, you can consider checking insurance companies that are not strict but are reliable in assuring your insurance.

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Preparation is the Key

I read from the blog of Ate Claire that she loves rain. She said that she loves to hear raindrops falling on the roof of her house. I also used to love the rain, but for now, I dislike it. The reason for this is that the rain always bring floods and I have a hard time going home every rainy day because the streets of Metro Manila is flooded.

It has been raining the past days and Metro Manila is flooded easily. A simple rain is enough to bring waist-high flood on some parts of the metropolis. Thus, many residents suffer and many motorists are trapped and can't go home. Due to the current scenario, it is easy to recall the calamity that occurred last year when Typhoon Ondoy dumped large volume of water in Metro Manila, causing many areas to be flooded. The floodwaters reached even above the roofs of second floor houses. Many people died and many properties were destroyed. Cars and appliances were ruined.

Now that the rainy days are here, it is not an exaggeration for the many of us to be scared of the flood, especially now that the government is not serious in fixing the drainage system of Metro Manila. I could see that there is no serious work to prepare the whole city for the another occurrence of the Ondoy-like flood.

However, it is wrong just to stand scared and do nothing. Now is the time to be prepared. Now is the time for the people living in low-lying areas to store provisions of food, water and medicine. Emergency kits must be prepared and batteries for radio and flashlights should always be at hand. Applying for an insurance policy is also a prudent thing to do. Car insurance, HVG insurance, and the likes will be enough to protect your properties, as long as your insurance policy have the "Act of God" coverage.

It has been that we should always expect and pray for the best. That is good, but there is no harm for us also to prepare for the worst. Preparing for possible calamities should be started now, before it is too late.