02/05/2021
Real Story
My friend from college became successful when he got promoted three times in a multinational company he is currently employed.
During the stint of his success, he managed to get a condominium and a brand new car as a reward for himself. His properties are expensive that he needs to back those up with insurance. Since he managed to secure his properties with insurance, I asked him "IKAW? Kailan mo ikukuha ang sarili mo ng personal insurance? Ikaw nagbabayad ng lahat ng yan...." He goes, "Sige Bro, pag-usapan natin yan pag may time ako. Busy pa. Di ko pa yan mahaharap." I was silenced.
On his free days, he usually explore the restaurants and coffeeshops around the Metro Cebu. In one of our weekend sprees, he once jokingly told me "diba ang mga mayayaman may mga imported na a*o?" - then he got himself a ChowChow. He loves to travel. He is indeed a wanderlust. He would reward Himself an out of the country or out of town trips during long weekends. Batanes. Coron. Siargao. El Nido. Amanpulo. UK. USA. Japan. Korea. Canada. Australia. He has been to almost all the places one can dream of.
His life was blissful until...
One day, he felt a sudden pain gushing through his stomach. The pain became unbearable in less than an hour that he needs to ask his neighbor to drive him to the hospital.
He was rushed to the ER. Confined!
The test went back with the result: LIVER CANCER. Stage 3.
His age? 36.
He called me up soon as he was able to gather himself from shock. I rushed to the hospital and comforted him. He as afraid to die but he was more concerned about the expenses he will face from that day forward.
He then said helplessly "Bro, baka pwede nating gawan ng paraan yung insurance na inooffer mo? Okay lang kahit doblehin ko na lang yung premium..."
I hugged and comforted him with a deep regret. I whispered, "Bro, I am sorry. Wala na akong magagawa sa insurance na kailangan mo..."
He eventually resigned from his position in the corporate. Sold his condominium and car to finance his treatments. His dog was adopted by another friend. He drained all her savings and owed some banks and friends some money. His co-workers then passed the hats to help. He was broke.
He battled for two years but he was not able to make it. Leaving his family grieving and in debt. Leaving me with great regret.
He made me learn one thing: If you love your friends and if you are truly concerned with the people around you, insist to help them before it is too late.
So if I come around bugging you about healthcare and life insurance, do not shy away. Because if you are concerned about your family, you will be more than willing to sit down with me and talk: HOW MUCH DO YOU LOVE YOUR FAMILY? 🙂
"Time is precious and regret is always at the end. Take control of your future while you can."
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