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How your fears are used to sell you things which you may never buy?

Today, lots of industries use common human fears and greed to sell their products to common people which they may never buy. Insurance is one of major example of industries which sell us its products by using our fears. We buy a health policy and pay premiums year after year to save ourselves from a financial problem during a health problem. We all know that it costs lots of money to pay the medical bills when we or our near one goes through a serious health issue.

To decrease our fears, we buy a health insurance, which assures us of certain financial aid during a such situation. However, here we don't understand that we are doing this because of our fears and this situation may never occur to us. On the other hand, we keep some money side every year for health problems, then within a few years, we may aggregate good money for health related issues.

All money you pay as health insurance premium will go in the pocket of insurance companies, while any money you save for health problems will be yours and if no health problem occurs, then you can use this money for any other cause.

For example, You buy a Rs 4 Lakh family health cover for a yearly premium of Rs 12000, then every year you are paying Rs 12000 for same Rs 4 Lakh cover. In 10 years, you pay company Rs 120000. However, if we put this money in a bank or some other option for compound interest of 8%, then it becomes approximately Rs 2 Lakh in 10 years.

Instead of making an insurance company rich, we can plan to increase our wealth. In this way, we increases our wealth and become self sufficient. Only, we need to stop these companies from playing with our fears.

If a person starts early saving some money for health issues, then by the age of 35, he can have a good amount in bank to tackle such issues which he can keep on increasing till he is alive. In this way, you increases your wealth and covers risk factors.

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