Child Insurance Concept
In the beginning of 2016's, a very appropriate time for families to enroll their children into child education insurance program. Before registering the program, make sure you know in detail the children's education insurance.
Insurance concept of education itself is an insurance program that guarantees children's education fund is reached when the condition of critically ill breadwinner final stage, sound and even death. It is tailored to the savings / premiums are deposited.
In terms of setting up funds for education, there are two important things that must be considered:
a. Earner protection
We know that the role of breadwinner is extremely vital to the life of the family. Kondis critically ill and even die even if that happens to make breadwinner wives and children to worry, how to meet the cost of living in the future.
If the breadwinner in layoffs in a healthy condition, the wage earner can afford anything to earn such as trade, motorcycle or apply at another company.
So what if the breadwinner laid off because he had not come to work due to future care / treatment in hospital. If the person can easily move back?
How often do you see people affected by stroke can work again?
How often do you see late-stage cancer patients can work again?
In this condition would be more stressful earner. It was once we find someone who suffered a stroke, he was getting stressed because of the demands of family living expenses.
Income could have quit, but whether
Family living expenses can be stopped?
We, you and those around you is a part of the lives of individuals who are prone to risk. For example: illness, fire, work accidents, traffic accidents, dropping employment or even death. And as we know, the risk will always exist and can not be eliminated.
Birth, fortune and God's death has been determined, we can not be sure the husband / head of household / earner dies in retirement, after the children had to work independently, we must understand the way humans are not God's ways. What if God called breadwinner when children are still in school? At a time when families are in need of substantial cost. Surely we should not blame God if this is the case, because God has given the human mind to act wisely manage all these risks well.
b. Education savings
Nowadays parents are not charged tuition fees of up to until sma, parents simply enter children into public schools. Much different from the first parents to pay school from elementary through high school.
With this opportunity, parents can focus on the child's future college tuition, even if your child is still small. Why ? because, according to financial planners, tuition has increased 15-30% / year.
Tell costs half of 2015 at the University of Indonesia Rp 8 million / semesters, then most likely the tuition fees in 2028 (13 years) amounting to Rp 50 million / semester.
The problem is the increase in income does not reach 15% / year. That means you need to prepare the children's education fund is so far premature.
Child Insurance Concept
EmoticonEmoticon