08.05
You may have often heard many insurance ads circulating, with only a few hundred thousand per month you can give a guarantee for the family to US$ xxx. Sounds very interesting is not it? Ads such as this usually refers to the type of term life insurance. Consistent with its name, the type of term life insurance provides protection for a limited period of time / such as 10, 20 even 30 years.
Very simple, if you suddenly have to leave the family forever, insurance policy may still provide benefit for the family left, but many types of insurance protection and a choice of facilities available at this time can be confusing people who are still common. Is term life insurance will pay the claim to you?
Ask yourself a few questions below:
1. What I want to achieve
Before you buy life insurance of any type, think first, why you buy it.
Do you want to protect your family if suddenly you, sorry, ‘die young’?
Do you have enough savings to provide for the needs of a sudden?
Do you still have debts to other parties that must repaid in the near future?
Do you only want to provide money for the foundation donated to social future?
Understand that the purchase of insurance means you are committed to long-term goal, you must (if I may use the term) to pay a premium for a long time, if you still have financial commitments that must be solved, prioritize first, as an alternative, search for other types of insurance more flexible.
2. What are the options that have
Most people who have already worked at least 1 type of insurance from these two options, either individual insurance or group.
Groups
Most companies provide the type of term life insurance to its employees as a benefit to work in the company. Regular called ‘group term insurance,’ means that you get the protection as part of a group company, so companies that act as the policyholder, usually a premium payment deducted directly from the monthly earnings, not difficult requirements, simply fill out a short questionnaire about personal health history.
Advantages:
- It’s easy, you can easily get the time applying for jobs in a company, in general, are required to use Jamsostek, Askes but there are also companies that use insurance from foreign companies.
- No need to perform medical examinations (medical check-up). A letter of healthy physical and spiritual health and history are eligible.
- Payment is automatic. Conducted each month with a cut of the percent of salary.
Individual
Usually the type of insurance that is taken to be personal, so that the holder is polisnya themselves. Perhaps you will be required to undergo medical examinations (medical check-up), give permission to the insurance company to examine your health history in more detail. Sounds a bit more complicated, but the individual has insurance, there are some plus value.
Advantages:
- Practical. If you are moving to work in other companies, you need not fear losing insurance.
- Premium. Can be customized with your own ability, the time period that can be selected in accordance with the wishes.
- Flexible. Any facilities you want to add would also be diminished, can be done easily.
3. What if I do not die?
It is sometimes funny to hear is that many people think, they will be losers if they do not die so that there is no established, even if also died, the family is enjoying the left. If this is also a thought that you, try to understand some of the things below:
- Buying insurance is not for the benefit, but more to replace, the financial problems if you suddenly have to leave the family forever.
- Premium always increased every year. Many insurance that offers a period of time of payment 10.20 or 30 years, towards the end of the payment, you have the option to extend or redeem. Nah premium you pay is fixed until the end of the period of payment, try to check how much premium you must pay for example 10 years later for the same great protection.
- Maybe you just perrlu take insurance as long as you still have any debt or credit in the bank until your child is completing course.
4. How do I upgrade the existing facilities
Along with the competition among insurance companies, for a period of some duration, usually only have additional facilities are being enhanced so that in this case, the benefit of it.
- When can I upgrade my insurance policy
- How to upgradenya
5. Where should I buy insurance policy
You can contact an insurance company or agent is a professional who can provide services more personal to you, ask some questions that still confuses you. After the questions above, you already have a picture, what you need, how your ability, what you want, so your family can live quietly in the future.
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