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The insurance premium will never be expensive, the risk is; because we can always predict and prepare for the cost of premium, but not the risk. – Eno –

But your financial risk will still exist if you hire an insurance policy salesman instead of a real financial risk management adviser, and that is the point which all of the insurance premium you paid is really consider EXPENSIVE, no matter how much it’s. Because from my point of view – For what ever thing/service that you have paid and it still doesn’t work out for your purpose, it’s EXPENSIVE.

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