13/11/2025
āļø
Alam mo yung parang subscription na hindi mo naman nagagamit.
Parang gym membership na binabayaran mo pero di mo napupuntahan.
But hereās what I realized (and honestly, medyo nakakahiya aminin):
Insurance only feels like a scamā¦
until the day you actually need it.
Because letās be real:
When someone gets sickā¦
hindi mo pwedeng i-message yung hospital:
āHi po, pass muna ako sa bill⦠naka-budget kasi ako this month.ā
When emergencies happenā¦
walang 0% interest. Walang installment. Walang āpay later.ā
But insurance?
Itās the ONLY thing in life you pay for before you need itā¦
so that when life punches you in the throat,
you donāt fall apart financially.
People say insurance is a scam because:
⢠āWala naman ako nakukuha.ā
⢠āAng tagal ng kita.ā
⢠āAyoko ng monthly bayad.ā
But hereās the twist:
Those are the exact reasons why insurance works.
It protects you before disaster comes, not after.
Itās like complaining your seatbelt is useless
just because you didnāt crash today.
Insurance isnāt a scam.
The scam is thinking youāre invincible.
The scam is assuming āhindi mangyayari saākin yan.ā
The scam is waiting for life to slap you
before you start preparing.
So no⦠insurance isnāt a scam.
Itās the one thing that shows up when nobody else can.
Not your job.
Not your savings.
Not your credit card.
Someday, youāll look back and say:
āThank God I got protected before life happened.ā