i never had an insurance ,now i am over 40 with 3kids please suggest me any policy?

Question by SAZIM ﺳﺎﺯﻡ: i never had an insurance ,now i am over 40 with 3kids please suggest me any policy? secondly how does it work is it same like saving,fix,bank account ??? are these insurance companies are still reliable after recession? i just want to pay once what ever amount

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