26/03/2026
Alam mo yung parang subscription na hindi mo naman nagagamit.
Parang gym membership na binabayaran mo pero di mo napupuntahan.
So you start thinking:
“Sayang pera. Hinto ko nalang”
"Di na 'ko kukuha""
Same with insurance.
Walang balik.
Wala kang kikitain agad.
Monthly or yearly pa ang bayad.
So ang conclusion?
“Scam nga.”
But let’s be real for a second.
Kapag may naospital…
wala kang pwedeng sabihan ng:
“Pwede bang next month ko na bayaran?”
Life doesn’t offer:
• Installment
• 0% interest
• Pay later
Sisingilin ka kagad ng buo. Walang warning.
And that’s where everything changes.
Because insurance?Hindi siya investment.
It’s protection from a problem you can’t afford to face unprepared.
Kaya insurance feels useless… kasi wala pang nangyayari. And I know for sure, ayaw mong may mangyari...
Same way sa seatbelt, it feels useless… hangga’t hindi ka bumabangga.
The truth?
Insurance only feels expensive when nothing is happening.
But the moment life hits... it becomes the cheapest decision you ever made.
So no… insurance isn’t a scam.
The real scam is thinking you’ll always be okay.