Imagine that there is a small village with 10 attap houses and Mr. X stays in 1 of them. Each attap house is constructed using all natural building materials such as dried leaves, branches and so on. The downside of such houses is of course they are easily flammable and can burn down in a blink of an eye.
All are peaceful until a fateful night when 1 attap house caught fire. 8 of Mr. X’s neighbors dashes out from their house with buckets, rushing to fill them out with water trying to put out that raging fire.
At that moment, 2 thoughts were running through Mr. X’s mind.
First, why risk his life? Technically, there’s nothing he can gain from rendering his help.
Second, if he doesn’t help his neighbor today, the rest of the villages will know. One day if his own attap house catches fire, he knows that they will not come to his rescue and he is by his own. By helping his neighbor today, he is insuring his own safety.
What do you think Mr. X should do? You think about it.
Insurance is a miracle created with pen and paper. When premiums are paid, they are actually pooled together and help those who are in need (attap house on fire). By paying premium, you participate in a network of assistance. Your money can help others who are in need. The reverse is true when your own house is on “fire”.
Can you afford not to help? Do you need that assistance when your house is on “fire”?
Our “fire” comes in many forms such as critical illnesses, untimely death or accidental dismemberment just to name a few. With high medical cost and increasing cost of living leading to higher financial commitment to family, insurance is no longer an item of luxury but necessity.
The job of an insurance agent is to facilitate this process. We help people to help others. So that when they themselves need help, others will help them back.
Once again, do you think Mr. X should fill out that bucket with water?
