Risk Retention : I don’t care whatever happens to my family in my absence

Risk Avoidance: I won’t go outside I will be safe in door

Risk stupidity: I am at gym, I do aerobics, yoga, I won’t die, No viral can kill me I am immortal

Risk Transfer : I know the importance of having adequate life insurance & I understand it’s not an Investment I will buy a term plan, I always understand how difficult it is for my loved ones without me being around