insurance?

Our child is our pride and joy...as a parent,education is vital to success and we should started saving for their future..(hahaha cakap jer lebey ni..nak saving pun terkapai2) Education cost teramatlah mahal pada masa kini..in 10 years time,4 year university course could cost rm72,000.00 in our country..lain pulak cost kalau study oversea...if any unwanted incident occurs...palis2....jauh2..... o_O
Their may not even get the education they deserve. Thats why its is important to start planning for their future..am i rite?ni lah baru terfikir nak ambil insurans...berlambak insurans company di malaysia ni....tadi dah surf tnet bout' insurans...hurmmmm semua ada pro n kontra..haduiiii....ada yang kata AIA yang bagus...ada pula yang cakap ING yang the best....dan ada pula kata insurans company ni cuma mahukan keuntungan semata...akibatnya ramai yang termakan janji manis.....ambil insurans tapi bila sampai masa untuk gunakan insurans terutamanya yang ambil medical card or medical insurans ni byk pula problemnya..pokoknya kena dapat agent insurans yang jujur...
Hurmmmm....lebih baik menabung dari beli macam2 insurans ni..sikit2 lama2 jadi bukit....:-P :-P :-P