Insurance has not seen as urgent needs. Current focus is to provide for basic needs because the average income level of people who are still relatively low. This situation is in accordance with Abraham Maslow's theory that puts the security needs (including insurance) on the second level of basic needs. It is rather difficult to expect people to buy insurance when to eat and drink and their daily needs still can not be fulfilled.
Second, other extreme conditions of the insurance is considered no longer needed. The reason this group of people already have money and a lot of productive assets. An abundant amount of property and productive assets that generate the money has to be considered protectionist. So you no longer need insurance to cover risks that may arise.


Third, insurance benefits is not well understood. Included in this third group of people who say it means buying insurance to predict death or those who say "Life and death at the hands of God. Why should I think?" In fact, insurance was not questioned as such deaths. The problems are observed or anticipated problems after the death and its impact on the people living associated with it such as a spouse, children, and families.

Anticipate and Risk Protection 

Insurance is the protection and rescue equipment from a variety of possible risks in life that is full of risks. Some risks are even certain, in the sense that will happen though humans try to avoid or postpone it by any means. Death, illness, aging, and retirement, are examples of risks for the inevitable. In addition, there are many other risks not necessarily happen but it could happen at any time for ourselves or our families, such as loss of valuables. The reasons can vary, such as robbery, theft, fire, and accidents. All events will be an impact or consequences for us or our family, like it or not, ready or not, like it or not. One of the consequences of that risk is the family's financial problems.