Tragedy either ruins you or shapes you. Nonetheless, the lesson learnt after a tragedy, the actions taken or neglected is what separates the knowledgeable from the ignorant. Tragedy happens to people; you can’t always wish it or pray it away. Rather than say ‘God forbid, it won’t happen to me or my family’- Remember, bad things happen to good people, and good things happen to bad people. A tragedy is no respecter of persons. You need to be prepared, you need to plan ahead and not be caught unawares in the web of ignorance. The plans you laid down to take the sting off tragic situation is what makes you smarter in all ramifications. A tragedy is tragic. However, the beauty of tragedy lies in the aftermath of the occurrence, the plans put in place to absorb the shock. That is what inspired this book, it helps you to absorb the shock and shoulder your loss in the event of a tragedy. Insurance cushioning factor is not to enrich you; rather it is meant to take you back to where you were before a fall, in the event of eventualities or unforeseen circumstances which are inevitable. It is a decision of the wise to “Buy The Future. “according to Mensah Otabil’.