We all know how 2020 has taken a toll on all of us. Be it the pandemic, the floods, or the cyclones, there has been an extensive loss of life and property. All the lives which could be saved if people had invested in a health insurance plan, or the commodities whose costs could have been recovered if people had invested in a general insurance plan. This year has taught us to be a little more careful towards ourselves and make some crucial investments for our life, health, and commodities.