Paying money for something which you won't get if you are alive!!! Doesn't it sound ridiculous?? Will you pay for any such thing!!! How can we do that?? Now read carefully, I being Gujarati and belonging to a typical bania family (community which is believed to be very conservative in spending) pay almost Rs. 30,000 per year for something which I will not receive benefit of if I am alive. For getting the benefit of what I pay I need to die. You read it correctly, so don’t bother to read it again. I am fully conscious at the moment.