Insurance had been well known from the Hammurabi agreement in Babylonia. And then, in 1668, there was an embryo of insurance in London. The characteristic in the insurance is the transfer of risk from the customer to the insurance company. It is needed a contract between the company and the customer which is the company allows the transferring of risk. The risk is in uncertainty and unpredictable.
Years by years, the development of insurance is being grown. There are some things that can be insurance, among others vehicle, health, house, and the old-ages insurance. Yes, the health and guarantee in old ages is needed. We hope that there is no something happen when we are old, but the uncertainty is a must, and it is like a preventing action before something bad happened for we will never know what will happen in our future.
If you still do not think about the advantage for yourself, you need to think about the meaning of your self to people that you love. Never let them to be sad when there is something bad happened to you so never think about ignoring old-ages insurance. Understand the meaning of you for them and start applying old-ages insurance.