Nothing experienced is ever lost and the only light on the future is faith and experience. Though experience is personal, but it can even make other people wise. Same happened with me. I have a good experience of how we have to face life without proper financial backing. All happened like this. I was the youngest in my family. I had an elder brother and an elder sister. The age difference between me and my elder brother was almost of 14 years. Earlier we all three would live together after we lost our parents. I was only 7 years old when I lost both the parents. My elder brother was very good to us till he was married. He would take care of all our needs. We were staying as a happy family and we never felt the need of money because our parents had left enough for us to survive. But unfortunately he never had bought any of the life insurance policies. Anyhow everything was going perfectly alright then my brother got married and problems started in our life. His wife did not want my brother to give attention to our needs and that she was insisting that now he has to leave us and stay in a separate house with her. That was fine with us and gradually my brother was least bothered about our needs and he never looked back to us for our comforts. Right from the beginning all the financial matters were handled by our elder brother so now also everything he only had under his guidance. It was then me and my sister realized that how good it would have been if our parents would have bought life insurance policies for us and then we would not had to depend upon on anyone for our needs.

I and my sister struggled hard in our lives individually so that we could get all the possible luxuries for our selves. After years of struggle finally we settled down in our lives and now we are financial secured and both of us also got married according to our comforts and we are happy in our lives with our life partners. But when we were struggling in the earlier years then we had promised our selves that we will not let our children to struggle and suffer the way we had to. We had decided that once we are financially independent then we will definitely buy the best of the life insurance policies and secure our future along with our family's future. I had decided to buy the universal life insurance policy whereas my sister had gone for the whole term life insurance policy because at that time our needs and requirements were different and we had to invest or buy the live insurance policies according to our personal needs. The best part in investing in the life insurance policies is that there are various schemes and plans and they are affordable too. Even the cheaper life insurance policies can benefit us in our crucial times of life.