Life insurance is insurance that aims to take away those against unexpected financial losses caused by the death of her life too quickly or for too long. This of course will bring many aspects of risk, if the person is not insured to the insurance company. For example, the descendants of collateral for a father when he died prematurely or unexpectedly, the child will not be displaced in his life.
So life insurance is protection program in the form of a transfer of economic risk over its life someone who died or dipertanggungkan. Here, according to that in life insurance, the risk facing is:
The risk of death
Someone's life too long
If analogous, life insurance is often assumed as an umbrella in your home, a float on the ship or aircraft. It is very useful because it needed at a particular moment but often not thought about when things are safe. So life insurance very reliable especially when unwanted situations occur.
The purpose of Life Insurance
Life insurance we need to have with the goal of keeping uninterrupted economic needs due to the occurrence of the risk against the breadwinner during productive; orfor the preparation of the old days happy and prosperous.
Life insurance is a contract of protection are presented in written form called polis. The policy contains a contract between the insurance company and the policy holderwhere the insurance company has an obligation to provide an amount of money that has been determined to be appointed (usually the beneficiary) in case of death of, or keep his life insured at the end of the contract. (Protection period). In return for the transfer of the risk of policyholders have an obligation to the insurance company, which is called by the payment of a premium.
Life insurance is divided into 4, i.e.,
- Insurance Futures Exchange (Term Life)
- Lifetime Insurance (Whole Life)
- Insurance Bi To (Endowment)
- Insurance Link Units
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