Information, Tips, Tricks About Insurance
By: Ully D. Putri
Since stopped working as a lecturer for the continuing study of S3, I do not have a steady job. I was lucky not to have to worry about income as a part-time job offers from different parties. It concerns me is the health insurance and retirement. Of course, I could have alone most of my salary aside for savings and retirement as collateral. 

I can also confirm that, for example, 5% of my income each month recorded for the purpose of maintaining health. But, according to my calculations, this amount will not be sufficient if in a year I need to see a specialist, dental, hospital inpatient, or to catch a non-generic drugs are expensive. I need health insurance.

This is the challenge is, to my knowledge, have premiums for private health insurance plans are quite expensive, especially for me who suffers from a chronic illness that would be classified as a preexisting condition. I found the answer to my confusion when you're sitting in a meeting with a representative of the Social Security Office of the National AIDS Commission in July. At the meeting, I am a wide variety of information that, in my opinion, are very informative and I want to share with as many people with pre-existing conditions who have not had health insurance for a variety of reasons.

The first thing that came to my instructive is the social security program for people who do not have a contract with an institution or business entity. This new information that I did not know before. I think that those who work on the participants of the Social Security of the company are able to enjoy its benefits. It turns out I was wrong. I can register as individuals through the Social Security program for the conduct of the Work outside employment or program LHK short. 

Secondly, I think that Social Security provides retirement benefits, but I was not thinking right. Social Security has a variety of programs that I did not know before, including accident insurance (JKK), Death Benefits (JK) and health insurance (JPK), which is the most important point n ' is not familiar with the term pre-existing condition. In other words, tuberculosis, asthma, hepatitis, diabetes, cancer, HIV or other diseases can not be rejected on the grounds that they had the disease before it becomes a JPK participants. Even more interesting, JPK provide benefits to patients with severe disease who are undergoing hemodialysis or dialysis, cardiac surgery, organ transplantation, as well as the budgets of special funds for people with cancer and HIV.

Because spirits hear the good news, after the meeting, I went straight to the branch Setiabudi, South Jakarta, to register for social security. But my passion subsided instantly when the staff who received my application, saying: "Sorry, but we do not serve individual requests. You must be registered as an employee of an institution, and the company you work for is a participant in social security. "Light of my irritated to hear his explanation. 

There is only one hour, I attended a presentation of corporate employees social security that had been so convincing. I immediately replied, "But, sir ..." and gave a long explanation of the information that I received when I sat in the meeting. Fortunately, I recorded everything that I can a presentation that I heard again smoothly. 

Hear my explanation, social security employee excuses for not knowing anything about the information. He then offered to let me meet her boss to discuss my application. I was immediately welcomed the offer. After waiting some time, I was greeted by the head of marketing in the informal sector, Mr. Iman Aminnullah. Knowing my intentions, he began to explain, "Well, yes Ma'am, you can register to participate LHK, but we do not accept participants. 

You must belong to a group and register with other group members. Suppose you are a motorcycle then you need to collect other motorcycle taxi drivers to form a group of motorcycle taxi drivers. Then you register your group as a member "LHK.

Half-amused, because it is considered a motorcycle and half annoyed because the information different from what I heard at the meeting conveyed, I could resume my previous explanation. I was lucky Mr. Faith was very cooperative. Having already apologized for not knowing something about the different programs that I mentioned, he then asked for time to talk with colleagues. Long story short, after whispering long enough, I can sign up as members expressed LHK program. 

Mr. Faith said I was the first individual participants in the area of ​​social security Setiabudi office. Given the current system was not able to accommodate individual participants, Mr. Iman'm given a few days to find a way to get my name can not be put into the social security system. It was also asked to submit the required documents, such as the photocopier family card, identity card, passport, certificate of employment. 

In less than a week, I was contacted by Mr. Iman and asked to enter my first deposit at the Bank DKI. A few days later, I was again called to the office of social security to take the social security card and my card JPK.

I am pleased that my efforts were strong enough fruitful results. Now I can feel calmer because they have insurance and pension insurance cards.

Keyword: risk, health, insurance, health insurance, risk health insurance, not risk health insurance.
Information, Tips, Tricks About Insurance
Insurance Tips
Some of our communities are still those who feel antipathy when you hear the word insurance, especially when offered to purchase raw insurance products described must have been declining slowly.

Negative stigma regarding this insurance arises because of the bad experience of insurance services ever experienced by the individual or others, for example, difficult process benefits insurance claim, the length of disbursement or can not ditarikanya part of the funds that have been paid.

Because the area of ​​services, all insurance companies must strive to provide the best service to its customers.

Customer complaints about the service of an insurance company is usually caused because the customer did not understand and do not understand the insurance they purchase, both types of products and supplies.
Means assured grant financial losses should be borne by the family or myself to the insurance company in case of risk such as accident, illness or total permanent disability or death.

Why do we need insurance?
Because we can not expect or predict when we will experience these risks.
So when we do not have the savings sudden accidents which resulted in us having to undergo hospital treatment, then having financial loss insurance should we support will be borne by the insurance company.

There are some things we need to consider before deciding to choose a product from the insurance company, so as not to regret in the future.
1. Adjust the insurance products we choose not need to need or because of discomfort due to the agent or to be tempted by offers of reward the agent.
Make sure the insurance took care of us is a professional agent who not only pursue sales goals agent, but are willing and able to help and take care of our future insurance needs.

2. Discover the winners of insurance companies that we buy their products, both in terms of service and financial management capacity claims by digging information from relatives or friends who are clients.

3. Given the insurance is not the same as saving money, then we should know exactly how long the period of premium payment, then we can withdraw the funds (if the products we make no investment or the cash value) and how the disbursement of funds.
Because insurance, including long-term needs should be the size of the entire amount of premium insurance policies does not exceed 20% of income per year that the financial situation of the family is not been disturbed.

4. To avoid denial of claim or the unilateral cancellation by the insurance company policy, as it has found evidence of a lie to both the information of the Deposit Insurance and explain complete, honest and clear about the state of health, work, hobbies and habits and medical history of the family at the time of deposit insurance.
And to ensure that we deliver are listed on the letter requesting insurance should never sign a blank application state.

5. Ask in detail the benefits and conditions of the insurance products we select.
Examples of health insurance products, no waiting period and no provision for pre-existing conditions (preexisting condition) that is often the reason for rejection of the application by the insurance company and the client does not know the provisions of Insurance earlier filing.

6. Make sure that the premiums paid regularly and not in arrears.
When premiums become delinquent, the status of the policy lapsed (inactive) and insurance benefits can not be paid.
Reactivation can be done by way of recovery, but the recovery provisions of each insurance company is different and usually after the restart, the provisions of the validity period, the test period (contestable period) and the period Waiting applies stimulus policy date

7. Please check and read the policy carefully with an attachment that was received because the review period provided for by the insurance company to learn the policy and its annexes, if it is not in accordance with the policy issued by the agent may be canceled and the premium will be refunded.
Premium will not be refunded if the cancellation policy after work during the review period.

8. Insurance all young and healthy, because premiums or the cost of insurance for young age was cheaper and easier filing.

Choose a product that has the complete package, both life insurance, accident and health, but with a short period of time to pay his life insurance.

Keyword: benefit insurance, insurance
Information, Tips, Tricks About Insurance
Insurance Law and Good
Have you ever been in the education of your offer of insurance from a particular insurance agent?. If yes, then you should be selective in the choice of a good education and insurance is right for you. The education of children should be a major concern for parents. Meanwhile, the fact that education costs always increase over time. Therefore, education should be planned from the beginning to ensure the tuition of the child. One way you can do is follow the insurance education.

Education insurance is a wise solution to cover the high cost of education today. Following school insurance, then you do not need the hassle and cost of the school or college kids in the future. Using insurance education if an accident occurs while you get, so keep your child's education can continue, because it does not need to be mistaken to think that the cost of education a time when you are sick.

Well for those of you who want to take the training for your insurance, it is advisable to pay attention to tips on how to choose a good insurance and following good education:
1. Learn insurance agent first.
Important step you need to do when trying to choose an insurance agent is to investigate the company in advance. You need to find the company's reputation by doing a search in the Google search engine. Having discovered and started to believe in the insurance company, the company went directly to inquire Rice Based Capital (RBC) to related parties. Basically, a healthy percentage of 200% RBC, while its minimum RBC was 120%. The term RBC Insurance is the amount of capital that must be guaranteed by the insurance company for the government in terms of the ability of customers to pay insurance claims.

2. Calculate the education budget in detail.
The next thing you need to do is calculate in detail the cost of educating a child in the future. Start where you later send the baby and count the cost of school today. Then, count the cost of education when your child enters school using the time value of money. Remember that the inflation rate in Indonesia over the past 15 years, ranging from 12% to 15%, while the cost of education will increase from 20% to 25%. Thus, the percentage figure is also important to take into account. So you know how much education costs incurred later.

3. When comparing premiums to the value of savings.
Then it is time to compare the premium to the value of savings. As we know that the bonus is a sum of money that must be paid to the insurance company every month or year. Choose the insurance premiums that you can afford, do not be because they can not pay your insurance premium must be stopped in the middle of the road. After that, try to compare with the value of the savings that will be removed in time. This way you will know if the funds of the output sufficient future cost of your child's education.

4. Flexibility in withdrawing money.
The things you need to consider is still the issue of withdrawal of funds. Choose a flexible policy because there are companies that can not be removed before the specified time. Would be disturbed if your child to follow the accelerated and move to the next level faster than expected.

5. Consider additional facilities.
If you are using insurance as a guarantor of educational toys, then focus on that. Many insurance packages that offer other services such as health care, critical illness and others. So you do not need to be tempted by the offer. Because it could be it could affect the amount of your savings. However, if you have more money, great if you want to use additional facilities.

These are some tips that you can make the choice of a good education and the insurance that is right for you. Hopefully the above tips useful for you. See also How to choose a healthy and proper insurance.

Keyword: how to choose, good teaching, insurance law, how to choose a good teaching and insurance law.
Information, Tips, Tricks About Insurance
Car Insurance
Choosing car insurance is not easy. Especially in the midst of fierce competition today. Almost all insurance companies offer vehicle insurance products. Stay prospective customers to choose which one decent take.

Therefore, we present below some criteria so that no one chooses:
1. Potential customers do not dwell on the cheap premium rates.
Therefore, today's competition, many insurance companies slam prices, offers cheap premium rates. Although not necessarily a guarantee of service.

2. See the insurance package offered.
For example, how many extended warranties. Therefore, a large guarantee must be adjusted with the desire and capacity to potential customers.

3. See also the network of insurance companies concerned.
For example, how many have a branch or how many partners have a garage, so no claim did not wait long to fix the vehicles or missing.

4. It might be asked first ease, facility or what added value can be obtained when purchasing the company policy.
For example, is there a tow truck, replacement car or hotline services, mechanical services and ambulances. And last but not least, it's easy to make changes, as well as ease to ask.

5. Also consider Bonafides insurance company.
 Do not be so there is a demand, the workshop has no partner. Therefore, many insurance companies claim they are the best. As the financial situation was very severe.

In addition to the above, there are several factors that should be considered in the selection process of an insurance company, including product selection. The thing to keep in mind that the choice of a private insurance company, then it should be considered in general are three factors.

First, the financial strength (security). Second, the service (service). And thirdly, costs or expenses. The financial strength of insurance related to the financial capacity of the company to fulfill its promise, if the situation requires. It is important to know, because a lot of insurance companies are looking outside flashy. For example a building floor, good delivery vehicles. But when there are claims of customers, the company is unable to pay.

In assessing the financial strength of these there are several criteria that must be considered.
a. Assets and liabilities.
It can be seen from the consolidated balance sheet is published in the newspaper. See also, if planted in the current investment or long-term. Of liability (ability to repay liabilities) will look at the balance sheet, how the debts of reinsurers, how he fulfilled his obligation to pay claims, and so on.

Indicators of net liabilities include equity (equity) divided by net premiums `` (net premiums) of at least 50%. Equity divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own divided by net premiums capital of at least 10% and investment funds technical reserves divided by at least 100%.
b. Underwriting policy.
In the balance sheet and annual report will be seen as insurance is always a profit, or earnings growth. This means that policy underwiting good.

c. Its underwriters.
Insurance has qualified or not personal. It is known by the company profile which includes subscribers him.
Services (service) is a reflection of the importance of human resources skilled in business or not. In addition, the insurance company is selling a service, so excellent service is the key. For example, the extent to which the speed of service to both the question of the particular policy in the payment of compensation or claim.
In addition, the service can actually be felt by the client. Is the insurance company was absolutely the best services for its customers.

In this context it is also worth asking if the reinsurance security class insurance company. It can be seen in the annual report. It is important to note, because if the company is not backed up by reinsurance, the company is likely to be speculative to receive bonuses.

The problem is how the costs incurred by the insurance operating companies. If it is greater than the cost of entry, it is clear that the company is not effective. If this is not effective, it will end up losing money. And if you lose constantly, and certainly not healthy.

In this regard could also see the price premiums. Compare prices of insurance premiums with other insurance. When the quality is really good.

Today, the government has set a benchmark for health insurance (not alone) is mekanime RBC (Risk Base CAITAL). If RBC number was high, it means that the company is valued in good condition. But we should not be obsessed only with numbers of RBC. Therefore, it could be a great company that makes such a massive expansion of open many branches and its RBC numbers would be low.

Instead, there is a small insurance company, never to grow, the RBC number was probably much higher.
Thus, the number of RBC can not be used as the only measure, if the insurance company is healthy or not.
In this case, as remarkable is the performance of the company in the last two or three years. What is the magnitude of the profits every year, how gross premiums they receive each year, how much additional capital assets each year.

And last but not least, this is how the behavior of the leadership of the company over the years. Is there a management company of this broken promise? A company that experienced management and other defects.

Keyword: tips car insurance, choose car insurance, tips for choosing a car insurance.
Information, Tips, Tricks About Insurance
Tips On Buying Insurance Education
Education insurance is supposed to be included in one of the main needs and financial planning to ensure the future education of the child. In this case, of course, you want to choose a good insurance education, right?. 

Therefore consider the following three important tips in buying insurance education:
• Identify providers of insurance companies. Before you decide to buy an education insurance, make sure you tell a lot about an agent who will work with you. Ask a friend or discover for yourself on the Internet to find an insurance agent who is experienced and qualified.

• Consider the cost of premiums and account details of education funding. Premium is required funds you pay annually or monthly to insurance companies. Be sure to estimate in advance how you are able to pay and whether it will be sufficient for the cost of educating children in the future will continue and continue to grow.

• Know the procedures and how the withdrawal of insurance funds. It is also important that you know how and under what conditions to attract the education of children insurance funds. If the child can be taken another step on the stage of education?

So those are the three tips in buying insurance education. Can be useful if you could buy the right insurance education.

Keyword: insurance education, buy insurance education, how to buy good insurance education, tips on buying insurance education.
Information, Tips, Tricks About Insurance
Life Insurance

On my previous post, we learned how important it is for each individual life insurance, now we'll see how life insurance can provide benefits to the community as a whole.

Here is how the public can benefit from life insurance:

• Life insurance is a substitute for net programs government social security.
Some governments in the world to offer a program of social safety net or welfare to address the problem of unemployment, the elderly and refugees.

If the majority of the population in the country has a life insurance program, the issue of social protection in the country will be reduced.

This allows the government to use part of the funds to be allocated to improve the well-being of the community as well.

• Life insurance and stability of society.
As we all saw in the previous section, namely life insurance can reduce anxiety individuals against financial problems in the future, the possibility of a financial loss in the event of risk. Of course, this can increase the stability of the economy.

A life insurance therefore certainly improve safety, the possibility of an economic collapse, if the accident occurs or a bad risk.

• Life insurance as a funding source.
Life insurance companies offer financing for new businesses, they also channel funds to the government to finance the construction of housing, agricultural implements, roads and other insfratuktur long term.

So, in addition, in addition to the guarantee of the amount of funds, the companies also offer loans. This can stress you when you try to sell life insurance to your potential customers.

• Life Insurance and jobs.
Life insurance is a company that combines many skills as an insurance agent, broker, underwriter (insurer), accountants, auditors and investment analysts. 

So this job openings to thousands of residents in the country.

• Life insurance and savings.
Recognized or not is difficult to prepare for the long-term funds or savings is if we save money in a very easy to withdraw funds.

Well for it, life insurance is a way of saving for future needs. Life insurance is a way to save money.
By encouraging people to buy a life insurance policy, the insurer or indirectly insurance companies, encouraging them to be disciplined to prepare for their financing needs in the long term.
Insurance companies also contribute to channel savings to finance domestic investment.

• Life insurance for people's happiness.
A happy society will form a happy person, and vice versa. Life insurance is trying to create.
By providing financial compensation if the risk of an individual experiencing financial problems due to the risk of bankruptcy can be resolved.

Keyword: life insurance, benefit life insurance for public, the importance life insurance for people’s, the Importance of life insurance for public.
Information, Tips, Tricks About Insurance
Benefit Of Insurance and Investment
Reading the story below you can conclude firsthand the benefits of insurance and investment:
"Today, the 70-year-old father right. Age is long enough. Dad rarely cried. To my knowledge, only twice. First, when they want to marry her youngest child.

Father cry. He felt guilty because he did not have money for wedding expenses of her younger daughter. Degenerate and are forced to sell his business.

This could be because none of his son wants to proceed. In collaboration with the older brother, I explained that it was a marriage of financing our collective responsibility.

The second time, when he had lung surgery. Although not smoke, he often slept late, which was not good for his lungs.

He cried stress is not a disease. But, as you might guess, because unfortunately, can not be financed.
Operation went well. The health of the father continues to improve. Sometimes, he asked how much we spend on operating costs in advance. We are never told. Just ask him to continue to pray for us, children and grandchildren.

I would like the story is often encountered.
Parents probably related, there is good news and there's bad news. The good news, they have a longer life. It is thanks to the support of nutrition, improving the environment and health. My in-laws, for example, 83-year-old. Stay healthy. But there are bad news. Most of them do not have the support of the health insurance and pension funds.

I'm sure the group will be much. Because baby boomers have also experienced the phenomenon. Namely, births peak after the end of World War II. In the United States, it is estimated boomer group comprises 21% of the population. Many have already begun to enter the retirement age.

Unexplained bear the cost of these pensions will actually worsen businesses, state and federal government. Remember automaker GM to be supported by the government. Not only because of competition from Japanese and Korean manufacturers. But because pension law. Also known by the State of California that carry the burden of pension funds.

My mom including baby boomers, born in 1945. He had reached the retirement age a few years ago. It was fortunate, as a retired civil servant who had pension funds and health insurance.

Learn from the experience of older people, husband and wife, we are committed to better prepare for retirement. We must have health insurance programs.

Presumably awareness and prepare the pension insurance is concerned as many people who now run the family.

Awareness is also formed when investment funds saw the need for education of children continues to rise. My father has always instilled the belief that education is an important factor to change the destiny. Thanks to the prayers of parents and hard work, I got a scholarship to the user interface and the National University of Singapore.

Observe the fierce global competition, we expect to be married that our children are studying abroad. To be more open horizons, develop relationships, learn practical skills, including foreign languages, more autonomy. Indeed, education is not enough, must have the courage to live. From the beginning we teach entrepreneurship to children.

Career opportunities in the field of insurance and financial managers clearly open. In addition, there are many "underlying", from government bonds, corporate bonds, stocks and mutual funds was. All these groups of assets could potentially replace the role of deposit whose profits tend to be less competitive.

As fund managers, we also benefit from this phenomenon. Because the partners of the insurance trust fund management company, the potential based on the individual is enormous. But behave as institutional investors with a long investment horizon. Now let's be systematic. We will define the market as persons roommates has the willingness and ability to buy.

People obviously refers to the demographic potential, particularly productive group that wants to maintain the purchasing power and spending habits when they already do not want to or can not work.
Will shaped by traumatic experiences, in particular, that a person prepare for negative life events.

Capacity, the potential is enormous. In addition to its economic growth, individuals have the potential purchasing power in the form of a very large deposit. Desire to diversify its financial enormous. Study routine performed by a broker indicating the population outside Java will spend more and save more.

Increased prosperity encourage habits of basic needs to the needs of higher education. People want to buy insurance because they have more money. There is a saying: There was no insurance purchased, but which can be sold.

Now different. With market potential above, I am very confident to sell insurance and investment would be easier, for example, ten years ago.

What must be done is to educate current investment. We must lead the public to invest adequately appropriate and cost effective.

Initially, in addition to buying a health insurance policy could also purchase a related unit is a combination of insurance and investment.

As always, I always do what the old one. Since the beginning of 2012, my wife Adelina open consciousness to become an insurance agent.

Adelina, the survivors struggle to provide the best insurance and investment solutions for many people who want to remain successful in the future. "

Thus, the benefits of investment and insurance, we hope that you can take at the conclusion of the story above.

Keyword: benefit, insurance, benefits of insurance, benefits of investment, benefits of insurance and investment.
Information, Tips, Tricks About Insurance

Insurance is actually very important for our lives, because of the importance of insurance, so on this occasion. Supplier or the insurance company so, too, so it is sometimes difficult to choose the supplier or the insurance company is the best.

The thing to keep in mind that the choice of a private insurance company, then it should be considered in general are three factors:
1. Financial strength (security).
2. Service (Service).
3. Costs.

In the article there is an explanation that the financial strength of insurance of insurance related to the financial capacity of the company to fulfill its promise, if the situation requires. It is important to know, because not a few insurance companies that look good on the outside. For example a building floor, good delivery vehicles. But when there are claims of customers, the company is unable to pay.

In assessing the financial strength of these two criteria that must be addressed:
1. Assets and liabilities.
It can be seen from the consolidated balance sheet is published in a magazine or newspaper. See also, if planted in the current investment or long-term. Of liability (ability to repay liabilities) will look at the balance sheet, how the debts of reinsurers, how he fulfilled his obligation to pay claims, and so on.
Indicators of net liabilities include equity (equity) divided by net premiums (net premiums) of at least 50%. Capital divided by gross premiums (gross premiums) of at least 20%. Limit the level of solvency, as seen from its own divided by net premiums capital of at least 10% and investment funds technical reserves divided by at least 100%.

2. Underwriting policy.
In the balance sheet and annual report will be seen as insurance is always a profit, or earnings growth. This means that the company underwiting good policy.

Its underwriters. insurance has qualified or not personal. It is known by the company profile which includes subscribers him.

For this, there are many types of insurance that you can choose and consider. Do not be too confident with seduction and an explanation of insurance agents, but how can you get advice or guidance on-menereus agents about your insurance.

Keyword: choose a good insurance company, how to choose insurance company, how to choose a good insurance company.
Information, Tips, Tricks About Insurance
Education Insurance
Greetings loyal friend Insurance Tipsand Tricks, hopefully in good health always. This time we will discuss about the insurance education program for children.

Different types of investments to prepare for the education of children, it is to choose the type of investment to buy a property as an investment for the cost of a college kid, who bought land there, there are also an investment by buying precious metals and so on.

But there are also people who choose to buy insurance for the education of children.

While this goal is for the future when the child needs to go to college expenses, the funds are available.
Well this time, we will discuss the insurance training.
This assurance of children's education can provide tuition at the university.

For the cost, you must pay the amount of the premium can be determined according to your wishes.
Reduce the amount that you want, plus the cost of premiums to be paid. This type of insurance can be liquid (cash) per quarter. To illustrate: the sum insured (UP) of $ 100 million and the premium payable per year is approximately $ 8 million.

An insurance company will pay the insurance education every child goes to school with the following conditions: SD 10 percent of UP or $ 10 million, 15 percent of SMP UP or 15 million, ADM 25 UP percent or $ 25 million, the University 50 percent of the UP or Rp 50 million.

Once the contract is completed normally when the child was 21 to 100 percent cash out funds dr UP or $ 100 million.
Total costs that can be obtained is 250 percent of the UP.

The excess of the insurance education include:
* The premiums are paid only for 10 years. After the free gift, but children still receive education costs at completion.
* You can get the cost per cycle of schooling.
* When parents affected such total disability, whether caused by illness or accident, of course, was not able to work as usual, when only pay premiums for three years, then the next free while the premium paid for the insurance will go ahead.

Another advantage is the cost of providing health care for the elderly backbone maintenace. Start fundraising available upon admission to the hospital, the cost of the insurance money if it is exposed to a risk of serious illness, the cost of the insurance money if it is at risk of total disability up to the age limit.

These are the things that become surplus or profits to save the education of children through insurance, which is not owned by investment in other areas, although in deposit.

Thus, saving money to buy insurance education of the child, it means that you have a guaranteed for the son and daughters beloved supply cost, no matter what happens to parents breadwinner.

Training goals or aspirations of parents provide time significant costs later, when the child goes to college.
By having this child education insurance for later, when the child goes to college, you just say children... Now you have to choose, would go to college where?. Singapore, United States, Great Britain or Indonesian?. We as parents are ready with costs.

Keyword: advantage insurance for children, advantage insurance, insurance program for children, insurance program, education insurance advantage program for children, advantage insurance education for chlid, advantage of education insurance plan children.
Information, Tips, Tricks About Insurance
Life Insurance

Life insurance is a written promise to the insurance policy by the insurer or the insurance company insured to provide financial compensation in the event of accident or injury to the insured.

Insurer (insurance company) offers a range of products that meet the needs of the insured or prospective clients. 

Life insurance consists of several products, each product has a different advantage to serve a variety of needs and abilities of clients. 

Here are different types of life insurance by AAJI: 
Traditional life insurance

1. Term life insurance (term) 
This feature is maximum protection with relatively low premiums. 
Therefore, this kind of attractive to potential policyholders who have large insurance needs, however, limited purchasing power. 

Who is registering for this policy? 
• Prospective investors who want to protect the future of their children. 
• Prospective purchasers new career. 

2. Life insurance (whole life)
Characteristic of this insurance is the basic type of permanent life insurance offers protection life insurance.
Who is this? 
• Prospective investors who want the privacy and funds to generate savings that can be used for emergency needs.
• Prospective purchasers who need permanent income protection (hospital bills).
• Prospective investors who want to get some investment capital growth.

3. Endowment life insurance (Endowment) 
Characteristic of this insurance is the protection afforded by the sum insured if the insured dies within a specified period, and provide the entire sum insured if he was still alive at the end of the coverage period.
Because it offers two advantages, this insurance is called Dwiguna.

This product is useful for prospective policyholders who want to be protected against the financial impact due to premature death.
• Prospective purchasers who need funds for the education of children.
• Prospective investors who want money for future needs.
• Prospective investors who wish to have a pension fund.

Unit Linked Life Insurance
a). Single Unit Linked Life Insurance (single premium)
Characteristic of the unit linked life insurance (Single Premium) is the premium paid in a lump sum or a lump sum.
Typically, a single premium desired by prospective purchasers who wish to invest long term.
• Prospective investors who like to invest for the long term.
• Potential subscribers who have excess money (money off) and intends to increase its wealth.

b). Unit linked life insurance Regular (Regular Premium)
Characteristic of the life insurance unit linked regular (Regular Premium) is also a long-term investment, where the method of lines of the payment policy, which is periodically or regularly.
The unit was purchased for the premium received.
Which is suitable for this product:
• Potential subscribers who prefer to play in protecting.
• Prospective purchasers who likes to play in investment, but still want to be protected.
• Prospective investors who are still working and want to build up savings.

Similarly, some types of life insurance, each has its advantages and disadvantages.
And this is a kind of good fit with your needs and the ability to buy insurance themselves.

Keyword: definition life insurance, understanding insurance, life insurance products, life insurance, defitinition, of, life, insurance, products, definition of life insurance products.
Information, Tips, Tricks About Insurance

Understanding Insurance

The primary function of insurance is a risk transfer mechanism (risk transfer mechanism), which can transfer one party (the insured) to another party (the insurer).  Risk aversion is by no means eliminates the possibility of evil, but the insurer for financial security (financial security) and peace (peace of mind) to the insured. In return, the insured pays the premium in a very small number compared to the potential losses that may be suffered (Morton, 1999).

Basically, an insurance policy is a contract that is a valid contract between the insurer (in this case, the insurance company) with the insured, the insurer was willing to bear losses that may occur in the future payment (premium) an insured individual.

According to the law no. 2 of 1992, which refers to the insurance or coverage is an agreement between two or more parties in which the parties are committed to the insured, by accepting the insurance premiums for the reimbursement to the insured in case of loss, damage or loss of anticipated profits, or legal obligation third parties which may be suffered by the insured arising out of uncertain events or to provide based on the life or death of an insured person payment.

For a potential loss (which can happen) can be assured (insured) then it must have the following characteristics:
1. Loss of uncertainty,
2. The losses should be limited,
3. Loss must be meaningful,
4. The loss ratio can be predictable and
5. The loss is not catastrophic (catastrophe) for the insurer.

The question is, death is a sure thing, why be insured ?.
Even if it's something that contains certainty, but when exactly when someone's death is beyond the control of that person. So that when the time of death actually contain uncertainty is what causes insurable.

There are two forms of contract in determining the amount of the payment at maturity of insurance, namely: Value of the contract (contract value) and the compensation contract (contract of indemnity).
1. Value of the contract is an agreement by which the payment amount has been determined in advance. For example, the value of the sum insured (UP) in life insurance.
2. Contract of indemnity is based on the amount of help number of actual financial loss agreement. For example, the cost of hospital care.

In the case of insurance companies trying to remove the possibility of loss / fatal wide, so it can transfer the risk to another insurance company. This is called reinsurance companies that accept reinsurers appointed.

In addition to the five characteristics above, before it can be insured, the insurance company must take account of insurable interest and anti-selection. Insurable interest in the relationship between the insured and the beneficiary of compensation / benefits - in terms of potential loss. Thus, the insurance company will not sell fire insurance policy to parties other than the owner of the building is provided.

Insurable interest in this example is the property of an eye something that is insured. Similarly, family relationships, financial ties are unjustified, is also a form of insurable interest. The definition of anti-selection (against the selection) refers to the existence of a greater tendency to take insurance because it has a higher level of average risk. Example, people who have a record of poor health risk dangerous jobs or tend to want to buy insurance.

To reduce adverse selection effect, the insurance company should be able to identify and classify risks and potential losses. The identification and classification of the level of risk process is called underwriting or risk selection. But that does not mean anti-selection led to the filing of insurance was denied, because the risk of loss to the insured than the average premiums may be (special bonus) subtype due to sub-standard risk (specific) risk unless the risk of loss is much higher, perhaps the insurance proposal was rejected.

Keyword: understanding, insurance, understanding insurance.