Perhaps the one individual who needs to be credited with the greatest invention of the modern era, is the one who figured out the life insurance policy. Simply put, the life insurance policy is the thought of a genius – a novel idea that has changed the course of history itself. For generations and centuries before, people have only dreamt about a wealth generator that is simple, easy to operate and brings consistent returns. But it was the person who devised the plan of the life insurance policy who actually made those expectations a reality.

I recently signed up for a health insurance policy. This particularly attractive woman had been trying to get me interested in the health insurance policy she had been peddling, while I was more interested in her telephone number. Finally, as a barter for a coffee date with me, I put my signature on the dotted line of the health insurance policy. At that time, it seemed like a win-win deal. I not only got to spend an enjoyable afternoon with a very beautiful woman, but also got myself a long overdue health insurance policy in the bargain. Maybe I should have been paying more attention to the health insurance policy than the policy seller. But how was I to know that I would need to use my health insurance policy so soon!