With what happened to some insurance and pre- need companies that declared bankruptcies, people should stay out of these companies especially here in the Philippines. Eventually, all of them will declare bankruptcy because nobody was jailed because of their greed and mismanagement. Some Overseas Filipino Workers (OFWs) who bought the educational plan for their children are now distressed by the news that they could not use it in the meantime. It happened to “CAP before,” and now Prudential Life. I hope that next time we would hear some good news from these insurance companies.