Archive for the ‘insurance’ Category
Life insurance to be one important requirement related to financial planning. In recent years, unit-linked products, including life insurance category grew and gave a lot of offers. Should carefully before investing who have had this protection.
Choose products that provide space for customers to adapt to the needs and abilities. There is desirable products, because only by setting aside 10 thousand dollars per day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.
For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection, according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed benefits. Read the rest of this entry »
I am sure every person, would want and want to be healthy, various efforts were made by us to maintain health and fitness of our body, ranging from exercise, adequate rest, eating nutritious foods, avoid alcohol, reduce or even avoid smoking. But if all that was enough? a study showing that stress people tend to be easily attacked by diseases.
As we know the stress levels of residents in urban areas tend to be higher than the level of stress in the region, the level of competition leading to pressure and demands at work are also higher, other things such as price increases basic goods, the threat of layoffs tend to make us even more stressful.
This is also exacerbated by air pollution is increasingly, so in short our lives more at risk for diseases that cause us to be admitted to hospital, if only a mild illness just maybe this is not a big problem for us, but what if we have to surgery?
Indeed today we are all in good health, but who can ensure our health condition 5, 10 and 20 years in the future? not to mention the health costs always go up from year to year, based on the estimated increase in health costs in Indonesia average 10% per year.
So the more important for us to always keep our bodies health and provide emergency funding if the pain went, but ironically we are so far just to feel healthy healthy sometimes ignored and not set aside an emergency fund so when we pain was surprised to see the costs. many who thought that hospital costs low as what he remembers, without knowing that there was an increase in cost increases. Read the rest of this entry »
Conditions that often accompany the occurrence of disasters is to fall victim in a pathetic soul. The death of loved ones among the unfortunate victims of disasters increase the pain of family life journey of the deceased. Moreover, when the main breadwinner in the family who became victims, the next journey of life is often a heavy financial burden for families left behind.
Sustainability spouses and children living without leaving major search series of complicated financial burden. They deal with the cost of daily living, tuition fees for the beloved children of the lowest levels up to college, and other living expenses. The threat of adversity is the secret of the Almighty, and all that could come at any time to anyone.
There is no bad time and no word was not ready when misfortune happens. Without the earthquake, no floods, death can occur when we experience an unexpected accident or severe illness we suffer. Mystery of the coming misfortune is a threat of uncertainty in our life journey.
In addition to various disasters and the phenomenon of unexpected misfortunes that can happen at any moment, the various socio-economic shocks also contributed to uncertainty about the risks of social life and our finances and families in times of global financial. Crisis which had lasted for one year and still leave a negative impact on diversity our lives! The slowing economy and a transaction rate of goods and services has spawned a wave of layoffs among companies throughout the country. Read the rest of this entry »
Here are the things that must be observed from an insurance company before deciding to purchase insurance products:
1. Financial reports
Apart from the limitations that have financial statements, this report could be the first step to choosing an insurance company. Indicators that can be used is a risk-based capital. A good insurance company will have on the RBC 120%. In addition to RBC, also see net equity. A good insurance company must have a minimum net equity gross of 50% and 20% minimum equity. You also can assess the quality of the insurance companies underwriting policy through the company’s earnings trend for several years. Another thing to consider is the operational cost of the insurance company. Good underwriting performance can be lost due to excessive operational burden would erode corporate profits. Not everyone can read financial statements, therefore InfoBank or Investor magazine periodically rank insurance companies in Indonesia based on information the financial statements. Read the rest of this entry »
There is a general view that considers only carry life insurance for elderly people and people who are old enough and stable economy. Was always thus? One definition in the Wiki to explain that life insurance or life insurance is a contract between the policyholder (who take out) with the insurance company where the insurance company agrees to pay some money to policyholders when the death or critical illness hit. And policyholders are required to pay a premium at each particular time. Read the rest of this entry »
Marketing services that are not thought to be presented his case studies when I took courses in Marketing Management is the marketing of insurance. At that moment the image in my mind is always related to insurance marketing by describing something bad might happen to the prospective client and try to make him “afraid” that “forced” to buy an insurance policy. This marketing push called selling.But the way the insurance market over the no longer relevant for today, especially in the context of family financial planning. One aspect of financial freedom is that we must take responsibility not only on money management but also in protecting the people we love are financially (financial protection). Read the rest of this entry »
In Financial Planning, insurance plays a very important for us to achieve financial goals (Financial Objectives) us. Insurance also protects us in accumulating wealth to achieve financial independent, hence insurance in financial planning called Wealth Protection (protection of wealth). Three major risks in our lives as human beings are dying too young, life is too long and death not life is not (pain/Disabilities).
Why do we need to be protected by insurance? The answer is because you are a person who provides income for your family, for that you should be aware of your income is very important to your life and your family, not also mean replacing your soul with an economic value, because your soul is priceless but more to the appreciation of the yourself as head of household who has a dependent wife and children. Are you already convinced that the value of your insurance coverage is sufficient if you have one of the main risk above? We can not say that the value of our insurance liability not sufficient (under insure) or otherwise we might have exceeded demand (over-insure) so that the insurance premium you pay is less efficient. Enough insurance least we are hanging with our financial plan, with financial planning for families of comprehensive (comprehensive Financial Planning) we can see how many required sum insured in the insurance plan (Insurance Planning). Read the rest of this entry »