Well

It is true that these days on one waits around for fate to take care of their future, they try as much as they can to influence it

and it is also true that most of our parent does not care about our future, they are mostly concern about the present

And that is food, shelter, and clothing.

You cannot blame them, they do not have enough experience to know what they are supposed to do, besides,
most of them had parents who were concerned about these three things too

But you should be grateful that they educated us enough in a way that we can find opportunities and then make our lives and that of our future families better

however, I have always heard about insurance but never really know how it works

And I was hoping you will throw more light on your post....but it is fine