TOKYO Trinh Pham, a 25-year-old office worker in Ho Chi Minh City, vividly remembers the day she decided to join an insurance program.
"My colleague suddenly passed away three months ago with colorectal cancer," she said. "I felt so sorry for him and his mother, whom he had been taking care of. But fortunately the life insurance scheme that he was enrolled in left 100 million dong ($4,390) for her -- enough for her to start her own small business to make ends meet."
