KNN my uncle wants to employ a maid to take care of my grandma when he buying the insurance there is 1 policy with a additional $50 cost to protect against paying penalty fee of sgd5k should the maid run away KNN the agent say if pay this $50 and maid run away the insurance company will pay for you the penalty whereas if never buy you don't need upfront pay this security bond but only if maid run away KNN this is to protect who KNN KNN maid run away my uncle is the loser and need to lose more what logic is this KNN