"Xiao Wu, if I really get a serious illness and it costs $200k to treat? I'd rather not treat it. Just let me die." I've heard this too many times. Young people in their 20s, sipping $7 bubble tea, holding $1,500 phones, carrying $3,000 bags, telling me: When that day comes, I

I'm still young. YOLO lah! Enjoying life now is what matters!" Why would I need insurance now? I hear this almost every week. Clients in their 20s, sipping $7 bubble tea, holding $1,500 phones, carrying $3,000 bags, telling me: "If the day comes, I won't even treat it."