Aha, insurance companies are playing a cruel numbers game, haina? At 45, they see more wear and tear on the machine, so the premium shoots up. I skipped buying it in my thirties, thinking our NGO's work was my only legacy. Now, looking at the quotes, my khushi-filled Sunday walks feel more urgent—if something happens to me, who funds my mother's greenhouse? That's the real cost I regret.
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