As I get older, I realized that on the first job I had, I should started Insurance with investment. I didn't realized that I will be needing it. When my father died, i was like in shock, did not know what to do. If I already insured them, I should be hurting for the loss but not on how to make everything possible during those times. It is always right to plan of getting insurance and funeral plan. Imagine what will happen to your loved one when you are gone. It is so sad if you are the income generator in the family, what will happen to them when you died? You cannot avoid dead as it will happen to all of us, but you can lessen the pain and the heaviness when you plan it.