This is a question that often crosses the minds of those who aren't deeply involved in the insurance industry. Let's break it down with a simple analogy.
In every household, we keep basic medications like fever reducers, pain relievers, diarrhea pills, and digestive aids. It's not because we expect to get sick, but rather to be prepared in case we do.
Insurance serves a similar purpose. It provides financial protection for you and your family in the event of unexpected health or other life events. It ensures that you have the necessary funds when you need them most.