The important insight highlighted is that often people focus on supporting friends during tough times, likened to buying insurance when the house is on fire. However, it is crucial to also prepare for potential hardships during good times. By acknowledging that challenges may arise and expressing commitment to be there for each other regardless of circumstances, individuals can effectively 'buy insurance early' for their relationships. It emphasizes the significance of being there for friends consistently, not just during difficult times, and maintaining a supportive presence throughout life's ups and downs.

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