Actually if I may be frank, is the main reason we work to find the money? Certainly not for ourselves. But the people that we care about.
If I may vote, in fact we don't need nothing pompous. Most of our needs which includes cool gadgets are cool. That too because with the requirements for the job or hobby, the point is to make it easier for us. Do we need it, not necessarily.
But then there are other additional needs are a priority. Suddenly we want to give you a better create our spouses, all of a sudden we want to send our children to thebest educational level, and others, that the point isn't really more to us personally.
And be happy because it is the choice of our own, then we become the backbone ofthe family.
However, what happens when something or bad thing happen to us?
That's the importance of life insurance.
Life insurance is not merely protection. If we had died, whether insurance can protect our souls? Of course not. Life insurance existence here is to protect the family that we leave behind.
Can we imagine a case of bad stuff on us, unexpectedly, turns out to be an abandoned family even had to sell assets and others, as it turned out we leave is a debt and not even comfort?
I remember an acquaintance who relies on only her father in search of a living. His mother does not work. So in an unexpected incident, the father died, and unfortunately the abandoned Hospital fees is also not a bit. End of story, acquaintances I have to sell the House and two cars, and move on.
So, how big is the actual sum assured that we need in life insurance? Or sesederhananya: how the heck are our values?
How to I calculate the ' value ' of life insurance is the parable this way: Assuming a certain amount of money we need is placed in deposits, the interest alone could replace our salary per month.
So in this case, the family we leave at least need not undergo double misery because first it's been abandoned by us because otherwise, both lost revenue that we usually give.
The value of all our soul tertunya Priceless, can not be appreciated by any nominal.However, if thus we ourselves do not appreciate and mempoteksinya with life insurance, can actually be worse consequences for families left behind.
Here some friends, acquaintances and clients like wrong in determining the value ofthe sum assured. There are even some who enter his son as the insured. Ouch, kinda serem me, because as kids there ' value ' konsumtifnya. In fact, that need protected is the elderly job seekers, not children. The kids just need protected with health insurance. However, every person should also have the perception of different views.:)
How about insurance education or insurance with unit link?
Insurance is protection, not investment. If indeed the procurement unit links are able to minimize the value of the premiums paid, why not.
One of the most misguided clients and contacts are those who expects the cash value of the insurance is paid. I can only urge, it's good to learn the true meaning of what insurance. The cash value is just a bonus, not the end result. The end result is new there if we died (for insurance) or the addition of appropriate insurance contract costs for health insurance (meaning that when there is a risk of some diseases and surgical needs, everything is in fact borne by insurance and costs of even very small)
The core of the existence of insurance is to protect us from the risk of loss or damage. Not investment. Insurance is not included investment instruments, but also under the supervision of insurance OJK and indeed a financial institution as well.
Unfortunately, the insurance company does not have a duty on us to provide transparency of financial reporting, so don't be surprised if ' investment grade ' that there are far fewer of the funds we already setorkan every year, because again ... Insurance is protection, not investment.
Understand first, recognize, and many are asking and discussing with our insurance agent. If we had not much to ask, we are going to be harmed later. Insurance agents will only help us on what we asked for, so make sure we communicate well so thatan insurance agent we can really help us in accordance with our needs.
If we are not honest in filling the application form and less communicative, then weerror that would endure.
Unfortunately, the insurance company does not have a duty on us to provide transparency of financial reporting, so don't be surprised if ' investment grade ' that there are far fewer of the funds we already setorkan every year, because again ... Insurance is protection, not investment.
Understand first, recognize, and many are asking and discussing with our insurance agent. If we had not much to ask, we are going to be harmed later. Insurance agents will only help us on what we asked for, so make sure we communicate well so thatan insurance agent we can really help us in accordance with our needs.
If we are not honest in filling the application form and less communicative, then weerror that would endure.
In fact, the existence of an insurance agent in our life may be a partner who is spoiling us tablets at a time when we are sick because of all the already helped set up bythem for the sake of convenience. And also could be the right hand of us who help keep our families also in the event of bad things to us.
So, do you have proper life insurance?
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