Insurance is for smart people. Be one

Having any kind of insurance is important because it’s essentially a safety net for your finances, health, and peace of mind. Here are the main reasons, Fabián:

1. Financial Protection

• Unexpected events (accidents, illnesses, natural disasters, theft, liability claims) can cost thousands or even millions.
• Insurance shifts that risk to the insurer so you don’t have to cover it all out of pocket.

2. Peace of Mind

• Life is unpredictable. Insurance gives you the certainty that, no matter what happens, you won’t be left alone facing the consequences.
• Reduces stress for you and your family.

3. Legal or Contractual Requirement

• Certain types (auto liability, workers’ compensation, sometimes medical) are required by law.
• Others are required by lenders (mortgage insurance, life insurance for loans, etc.).

4. Protection for Loved Ones

• Life and health insurance protect your family’s future by covering medical expenses, income replacement, or funeral costs.
• Ensures your dependents won’t face hardship if something happens to you.

5. Business Continuity

• For entrepreneurs, insurance safeguards assets, employees, and operations.
• Prevents a single event (fire, lawsuit, accident) from closing the business permanently.

6. Access to Services

• Health insurance gives access to quality medical care at lower cost.
• Travel insurance provides emergency assistance abroad.
• Auto insurance often includes roadside help and replacement vehicles.

7. Smart Planning

• Insurance is not just for emergencies — it’s part of responsible financial planning.
• Smart people use insurance to protect what they’ve worked hard to build.