When you take insurance policy, you pay $200 or $1000 per month as premium.
Other way, you do not take insurance and with the same money ($200 or $1000/month) you can buy Gold. Gold is safe haven and an insurance policy itself.
Gold price goes up +15% or more in a year.
Actually, financial world is a giant scam when there is always Gold as the safest investment.
Think about it.
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