Why do I need insurance?

Why do I really need insurance?

By Patricia James-WilsonThe topic of insurance and the need of having insurance is always a conversation for contention. The demographics of thoughts and feelings on the topic normally range from those who feel that insurance is a rip off from the word go, to others who will swear up and down about the benefits of having it.

There are also those who wish they had more but can’t afford it while those who can afford it and have needs for it just simply are not very responsible to themselves and their dependents.

Protecting the IF in life

The history of insurance in the first place came from the needs that exist in the IF found in life.

The most crucial “IF” is “If I were to pass away unexpectedly what would the financial status of those I leave behind?”

“If I was to get seriously ill what will be my choices for good health care?” “If I was to become disable and could no longer work what then?” These and many others stirred the need to protect that “IF” in life.

Since we are not all blessed with unlimited funds to take care of the different needs in life, insurance is the best solution unlike the chances of winning the Lotto.


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Insurance covers all unforeseen occurrences

When a young person leaves school their major concern thereafter is securing employment to take care of themselves. During their working years they may want to return to school or do additional schooling for higher earning power.

Then love, marriage, children, owning a home, vehicle, vacation, etc. duly become life’s goals. Before long, they are facing education now for their own children, while approach mid life and heading down towards retirement.

Along the way unforeseen occurrences may or may not afflict them, i.e. illness, accidents, retrenchment, even death.

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Peace of mind

These are the realities, whether we want to accept them or be like an ostrich sticking our heads in the ground with our behinds exposed to the elements. With proper planning for the short, medium and long term goals the “IF” in LIFE can be successfully embraced even looked forward to with a measure of peace of mind.

In the next article, we will look at how a person can identify what and how they should approach the selecting of what is best for themselves and their families.

Contact 868-687-6503 for more info.

Patricia James-Wilson, LUTCF, CAT, Financial Advisor. T/A Semaj Consultancy Services, Finance. 

Sheppard Insurance

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Galaxy S21 5G


Galaxy S21Galaxy S21 PlusGalaxy S21 Ultra
Display size, resolution6.2-inch Flat FHD+ Dynamic AMOLED 2X Infinity-O Display (2,400×1,080 pixels),6.7-inch Flat FHD+ Dynamic AMOLED 2X (2,400×1,080 pixels)6.8-inch Edge WQHD+ Dynamic AMOLED 2X (3,200×1,440 pixels),
Pixel density421 ppi394 ppi515 ppi
Dimensions (Inches)2.80×5.97×0.31 in2.97×6.35×0.30 in2.97×6.50×0.35 in
Dimensions (Millimeters)71.2×151.7×7.9 mm75.6×161.5×7.8 mm75.6×165.1×8.9 mm
Weight (Ounces, Grams)6.03 oz; 171g7.12 oz; 202g8.07 oz; 229 g
Mobile softwareAndroid 11Android 11Android 11
Camera64-megapixel (telephoto), 12-megapixel (wide-angle), 12-megapixel (ultra-wide)64-megapixel (telephoto), 12-megapixel (wide-angle), 12-megapixel (ultra-wide)108-megapixel (wide-angle), 12-megapixel (ultra-wide), 10-megapixel (telephoto), 10-megapixel (telephoto)
Front-facing camera10-megapixel10-megapixel40-megapixel
Video capture8K8K8K
ProcessorSnapdragon 888 or 64-bit Octa-Core Processor 2.8GHz (Max 2.4GHz +1.8GHz)Snapdragon 888 or 64-bit Octa-Core Processor 2.8GHz (Max 2.4GHz +1.8GHz)Snapdragon 888 or 64-bit Octa-Core Processor 2.8GHz (Max 2.4GHz +1.8GHz)
Storage128GB/256GB128GB/256GB128GB/256GB, 512GB
Expandable storageNoNoNo
Battery4,000 mAh4,800 mAh5,000 mAh
Fingerprint sensorIn-screenIn-screenIn-screen
Headphone jackNoNoNo
Special featuresIP68 rating, 5G-enabled, 30X Space Zoom, 10W wireless charging,IP68 rating, 5G-enabled, 30X Space Zoom, 10W wireless charging,IP68 rating, 5G-enabled, 100X Space Zoom, 10W wireless charging, 10x optical zoom; S Pen support

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