Today i received a letter from my favourite entity, The Gahmen. It was a notice that i had been automatically been included in the Dependants’ Protection Scheme (DPS), which is a term-life insurance scheme which covers CPF members for death and permanent incapacity. As such, $36 had been already deducted from my CPF account to pay for the first annual premium. Reminds me of SAF suscribing us for one years worth of Pioneer Mag for our “benefit” in our best interests, but without our approval and consultation. However, there is a saving grace being an opt-out form, which doesn’t state whether i will get my $36 back, although i hope it does. Now, it says the coverage has immediate effect, but how about when after i send it but before they receive it? Postal rule says that it is effective when i mail it, but that will only be applicable when it is determined that post is the method of communication. Whereas here i have the option of Mail, Fax and E-mail, so will it apply? If it doesn’t, then the situation will benefit the offeree (me). But that’s not exactly true as they didn’t offer nor did i accept. So is it now a matter of acceptance or termination? In the first place, are automatic inclusion schemes contracts?