The tendency of people when buying it wants to use as soon as possible. When buying a motorcycle or a car then it is a tendency to be directly used for roads. When looking to buy a laptop, mobile phone or play station, the tendency to use it.
Then how your insurance? When someone wants to buy insurance, whether is a tendency to use it? Anyone wants to illness, accident or death? No, right? so insurance in Indonesia is quite difficult to accept, because our habits. In fact, many say strange, when people buy insurance. They assume that odd to buy something that is not certain.