I've listened to the opinion of some people about life. Some say: "Life is God's business. Insuring that our souls before God's will. "
So to speak. And the fact is, indeed, quite a lot of people are allergic to hear the word 'insurance'. The funny thing is, those who are allergic to this insurance did not hesitate to insure your car, motorcycle or houses they have.
Hence, not surprisingly, the majority owner of a motor vehicle to protect the economic value of vehicles with insurance, while only about 3% of all Indonesian people who consciously protect themselves with the economic value of life insurance.
Actually life insurance is not to protect our souls. But rather to protect the economic value of ourselves. For example, if we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic lives of our families by spending 5 million dollars that could be kept awake, 'even if' something happens that causes us could no longer make money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of our car or house just protected, why do we not protect the economic value of our self? Is a car or a house is more valuable than ourselves?
If our employees, try to check whether the company where we work is to provide life insurance for us. Company-a good company usually provides life insurance for his employees. But there are 2 things we need to do:
First, ask the HRD, whether insurance is provided only for as long we work in the company, or can proceed alone if we stop working.
In general, if employees resign or retire, so his life insurance will be disconnected automatically. Therefore, consideration should be given to purchase their own insurance. Unless we plan to work on as a professional.
However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has provided insurance that we can manage themselves (you can take them away and continued his own) so maybe it's time to do financial planning or school fees of children in the future.
There are those who prefer to save every month in the bank, and not taken-taken. No matter if we can be disciplined way. But if not, maybe insurance education can be the solution.
Apart from that, insurance has the advantage of education in terms of protection, which is not owned by the education savings.
The principle is: if there is 'something' in us, so our children still get the education funding guarantee in accordance with what we planned.
Even if we do not want to buy an insurance policy, we do not hesitate to consult with insurance agents. It would not hurt if we understand the mechanism of this model of financial planning.
At least, we can compare it with financial planning strategies that we run today. Although we do not buy insurance policy from them, they are usually happy to help us to design a long-term financial plan we are. That is, we can get a free consultation about our financial planning. Not bad right?
We have had a lot of insurance combined with investment. So, you will get benefits of protection, while viewing portion of the money you paid as savings or investments that continue to grow and develop.
So to speak. And the fact is, indeed, quite a lot of people are allergic to hear the word 'insurance'. The funny thing is, those who are allergic to this insurance did not hesitate to insure your car, motorcycle or houses they have.
Hence, not surprisingly, the majority owner of a motor vehicle to protect the economic value of vehicles with insurance, while only about 3% of all Indonesian people who consciously protect themselves with the economic value of life insurance.
Actually life insurance is not to protect our souls. But rather to protect the economic value of ourselves. For example, if we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic lives of our families by spending 5 million dollars that could be kept awake, 'even if' something happens that causes us could no longer make money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of our car or house just protected, why do we not protect the economic value of our self? Is a car or a house is more valuable than ourselves?
If our employees, try to check whether the company where we work is to provide life insurance for us. Company-a good company usually provides life insurance for his employees. But there are 2 things we need to do:
First, ask the HRD, whether insurance is provided only for as long we work in the company, or can proceed alone if we stop working.
In general, if employees resign or retire, so his life insurance will be disconnected automatically. Therefore, consideration should be given to purchase their own insurance. Unless we plan to work on as a professional.
However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has provided insurance that we can manage themselves (you can take them away and continued his own) so maybe it's time to do financial planning or school fees of children in the future.
There are those who prefer to save every month in the bank, and not taken-taken. No matter if we can be disciplined way. But if not, maybe insurance education can be the solution.
Apart from that, insurance has the advantage of education in terms of protection, which is not owned by the education savings.
The principle is: if there is 'something' in us, so our children still get the education funding guarantee in accordance with what we planned.
Even if we do not want to buy an insurance policy, we do not hesitate to consult with insurance agents. It would not hurt if we understand the mechanism of this model of financial planning.
At least, we can compare it with financial planning strategies that we run today. Although we do not buy insurance policy from them, they are usually happy to help us to design a long-term financial plan we are. That is, we can get a free consultation about our financial planning. Not bad right?
We have had a lot of insurance combined with investment. So, you will get benefits of protection, while viewing portion of the money you paid as savings or investments that continue to grow and develop.
I'd say that life insurance protects the customer's family from a huge financial burden when they pass. Funerals, even the most simple, aren't cheap. Universal Life Insurance, in my opinion, is the best there is.
ReplyDeleteI have to say your post is very informative. One can know lot of things about these policies. Life insurance policy is very helpful for the family of the customer when they need it most. Read this post carefully. I am sure it will benefit you. Thanks for the wonderful post.
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