What to do if you cannot afford the premium

We love life. Life loves us back but life is not only cherries from the cake. It is "black and white" like Michael Jackson sang. Life is full of unpredictable events, moments of sorrow and joy, pleasure and pain. Sometimes we cry, sometimes we laugh but God doesn't want us to suffer. We are meant to become stronger. No matter how philosophical you may get the truth remains the same - we need