I was having a little chit chat with my boss yesterday and she mentioned she got a CAP plan for her then-two year old sun and a few years after, the comapny claimed bankruptcy and didnt even get back her money.

It raised a very unsettling question at the pit of my stomach because as a young person who just started a job (and I do plan pf having kids) is it really safe to put money in insurances?

My primary concern is also I have my two little sister who have College Insurance which will be in effect next year and I;m afraid we might not get what we're suppose to have.