I used to think that insurance was like a protection racket run by gangsters. I figured, since the insurance company asks for a premium or a certain amount of money in exchange for a little cover , it’s no better than a Mafioso breathing down your neck. Not anymore. I see insurance now as a form of investment, a buffer against crises and disasters. We humans after all are risk-averse.
As an investment, insurance will cost money, thus it is important to find a company with a policy that gives you value for your Peso, Dollar, Yen or Euro. Most people would like to
save money on insurance and this is something insurance companies should take into consideration.
I think a lot of people, once they have appreciated the benefits of having insurance (this will probably happen when insurance companies write in comprehensible terms and conditions, when terms are not written in legalese) and if companies
reduce premiums, would get their own insurance policy, if they don’t have any provided at the office that is.
There are a lot of companies that provide online insurance policy. A search on the www would give a listing of insurance companies with that kind of service. It will be helpful if you compare different policies and the respective prices first before getting hitched to a particular insurance company. You don't wanna be jacked by conmen.