One of my friends before purchased an educational insurance for his kid. The thing is he does not have a kid yet, not even a wife. What he had was a girlfriend but things did not work out so he was left with an insurance. I do not know if he can still use it just in case he has a kid.
When I asked him the reason for the purchase, he said that he had high Insurance Score because he does not have a kid yet. Thus it is perceived to be less risky to insure.
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