Yes, it's true, we all need life insurance, because with insurance we are more or less helped when we experience a disaster, we don't know when the disaster will come to us. With insurance, at least we have guaranteed costs for medical treatment and for our lives, but What is unfortunate is that families from middle to lower economic levels are quite burdened with their installments, because they have difficulty with their daily living expenses, their income is less so it is quite difficult for them to pay their own monthly contributions.
Yes. If there is excess funds and can afford to pay monthly premiums why not. I think not all have life insurance and we see dominantly today many who only use those provided by the government even though of course the services are different. The most complicated thing if we enter insurance when we seek treatment happens to be when it is not at the hospital, the referral from them directs where often when we submit an insurance claim is sometimes seen as too complicated and bureaucratic.