06.24
When you’re healthy, buy insurance protection permanent total disability seems to contradict the heart nusani. Insurance protection permanent total disability, to protect the most valuable asset you own, the ability to generate cash to meet the needs of life.
Permanent total disability may be caused by illness or accident. Given the cost of insurance is not cheap, it’s good we are always careful in buying the right insurance policy. Note the term and conditionnya, most of the cloud community, either lazy or slipshod, often terkecoh language in the contract with the insurance policy. To check, ask for the agent to the seller menerangkannya in detail.
Some things to consider:
-Determine how the amount of money insurance you need.
Did you buy enough to get
maximum protection, or you buy the style measure with the risk of all-round lack of will.
-How long can you survive without insurance.
Do not just think you want to reduce expenses by not buying insurance. To be able to save insurance premiums, choose the insurance contract, which time period is longer.
-Choose the insurance policy with the time period during which might, at least, can protect you until age 65.
Too risky if you choose a short period of time (5-10 years), not comparable with the risk of disability if you happen to natural illness / injury that caused permanent disability.
-Consider buying insurance policy protection disability in private total fixed that have been given outside the company.
Imagine if you are not able to work again, you will not disantun lifetime. The Company will only protect you while you are still productive.
-Be careful with the insurance contract that offers the benefit of the excessive premiums that are very cheap.
To make sure, compare with some other companies, do not just compare the 2 insurance companies. Basically, the amount of the premium must be paid to the insurance company re-insurance companies are the same costs. So, if there is a company that can offer a very low cost, this should diwaspadai so that you do not disadvantaged in the future.
-Give special attention to the agreement “Renewable guaranteed coverage.”
This means your insurance company can not simply cancel the insurance policy, the premium berkalanya, change the contents of the agreement in a contract of insurance as long as you keep paying insurance premiums on time.
-If you are still young, give special attention in managing your finances correctly.
As we age, consider pertanggungannya to add money to offset inflation rate
Protect yourself now with the insurance protection permanent total disability that provide tax-free financial protection when your illness or accident that causes you no longer productive.
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