Mind of my Stroked Brain

I was seeing my LIC policy yesterday for something. It is a paltry sum policy which might help 2 months expenses at the most today. I had got it done in 2000 only for the purposes of tax saving (india tax provides for it). This was as advised by some accountant as we got into the taxable bracket then. I was thinking would it make sense to take another one. Then I realised my age and no income and most important thing - my condition. No insurance company in their senses will touch my case/ application with a barge pole... Their actuaries will have a risk weighted framework will never allow it to pass through. Come to think of it, everyone probably has an exact same chance to kick the bucket tomorrow. However they have a sophisticated framework to evaluate everyone's life, identify risk elements, assign a probability for each of them and vomit out a score based on which they can charge a premium for the policy. So I got thinking further on this and my general risk elements and it'

I was recently reading a blog by somebody, regarding the health roller coaster ride they are having the experiences and advice to folks reading. It is not new. I have come across and read many many such experiences, journeys and advices to everyone. Depending on the circumstances, the illness, the criticality, etc, the advices vary. Most common ones range from eat healthy, exercise regularly, sleep enough, get regular check-ups, avoid something, don't ignore red flags, etc, etc. I was wondering what I have to give as advise (unsolicited 🙂) to others from my experiences. Doing all of the above didn't really help. So I would like to tell: Eat healthy Sleep healthy Exercise and stay fit and healthy Get regular health check-ups Avoid unhealthy habits Pay attention to health indicators Do all of the above and when Mr. Murphy, with his battlecry of "when something can go wrong, it will" comes knocking on your door. Have a very good and comprehensive Health Insurance plan