Indonesian society in general do not always need insurance for the survival of family life. Therefore, we try to offer comments on the importance of insurance for the household economy in the short and long term. For example, life insurance (life insurance).
Life Insurance
Brief life is providing funds to protect or maintain the continuity of the family life of a loved one. If you’re still naked and unmarried, then it might be better if you buy health insurance (if there is no benefit to the company). Or you can buy insurance in case of illness or Krista called critical illness insurance. With this insurance, if you are diagnosed, then you get the money at the same time or before the sump, which can be used to meet their daily needs.
Determination of insurance
If you need a terntentu for life insurance, these investments to keep costs of raising children, the calculation of the amount required amount insured becomes easier, at least 6 times in the preparation of their gross income 10 times net income. This value May be sufficient for some families, but also can be low for others.
Deposit Insurance
Life can be taken each year and extended the next year or purchased for a specified period, eg 5 years, 10 years or 20 years. When you buy term insurance annual costs of the annual premium will never rise. Because insurance premiums to see his mortality probabilities continue to increase with age. So if you buy term insurance within 10 years, then the insurance company calculates the cost of the average premium or flat in a period of 10 years.
Even if you pay the premium for each month, your insurance protection will continue to apply. In the meantime, if you do not pay the annual premium, your insurance coverage will be exhausted within the time limit (grace period) is very short and a month. This insurance has a cash value. In other words, if the world meningal the specified grace period, your family will receive the sum assured.
When buying insurance
Some people wonder, what about the insurance products that offer a cash value? As the link. Where can select the types of investments that match what you want. Should I buy this type of insurance or insurance buy term and invest the rest?
When we compare these two things, buy insurance, long term and invest the rest will give better results if you continue to invest consciously. If not, or postpone investment because of certain things, the results are not perhaps a little more money than the value given by the unit of account.
If you include the difficulty of allocating funds to invest regularly every month, the unit-linked insurance products in May as an alternative. This product offers the advantages of this type of investment that we select and protection be with him.
By purchasing this product, each year (if you pay premiums each year) will be charged the same amount of premiums, some of which will be invested (plus most of the investment in comparison with protection) and protection of other costs and other administrative costs.