May 2014
Information, Tips, Tricks About Insurance
Traditional Life Insurance Products
The life insurance Indonesia products consist of two main types: traditional life insurance and unit-linked insurance account. I will discuss financial results of three types of traditional insurance in Indonesia.

Three traditional types of life insurance
Traditional life insurance consists of three types of long-term insurance (Termlife), life insurance (of Wholelife) and endowment insurance (staffing). Here is an explanation of the three types of traditional life insurance.

Insurance Termlife (futures)
As its name suggests Termlife insurance (long-term), this traditional life insurance provides protection for a period of tertetu. Characteristic is the presence of Termlife specific time period insurance and if it does not there will not refund premium payment of benefits or insurance money.

Termlife insurance premiums life insurance more traditional low and coverage is quite large sums of money. Termlife life insurance has no cash. If the insurance contract expires and no claims then the insurance company will not pay money.

Whole life insurance (whole life)
The next traditional life insurance whole life insurance (life). In general, the protection afforded to the age of 99 years. Features Wholelife insurance is the protection period until the age of 99 years. Whole life insurance has a cash value. The redemption value can be borrowed (interest and rules may be made to each company). The insurance company will pay benefits or insurance money disaster in the contract period or at the end of the insurance contract.

Projector (staffing)
The third traditional life insurance is an insurance product that is quite unique. This insurance is usually combined with a kind of specific purpose, such as insurance education, pension insurance. Projector is insurance that can be considered popular at the time of unit-linked insurance account was not out.

Projector has features similar to the whole life insurance (life) in terms of implementation and payment of cash benefits. One of the advantages of whole life insurance is a benefit payable at the time given schema, for example to fund education will come in stages, for example, when children enter elementary, secondary, high school, and the education. This endowment insurance has premiums that are more expensive compared to other traditional life insurance premiums.

Life insurance in Indonesia is not only unitlink. In Indonesia, the different types of traditional life, as life insurance Termlife (forward), life insurance (whole life) and staffing of traditional life insurance (staffing).

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Information, Tips, Tricks About Insurance
Tips On Choosing Insurance Education
Children are a precious treasure for parents, so they always try to do my best for the child. Of course, the education of children is a major concern for parents. Meanwhile, the fact that education costs always increase over time. In response, the education of children should be well planned from the outset to ensure tuition of the child.

Education insurance is a wise solution for this, you do not need to argue with the cost of attending school or college kids in the future. Then, with the assurance of education if an accident occurred while befall you, but education can still continue. Of course, before you decide to choose insurance there are several things you must do:

Learn an insurance agent first.
Important step you need to do when trying to choose an insurance agent is to learn to do these companies first. You need to find the company's reputation by doing a search on Google search engine. Having discovered and started to believe in the insurance company, the company went directly to inquire rice Capital (RBC) in related parties. Basically, in good health RBC percentage of 200%, while the 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.

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 send the latest baby and counting the cost of school today. Then, count the cost of education when your child goes to school with 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%. So the percentage percentage is also important to consider. So you know how much tuition fees incurred after.

Comparison of premiums to the value of savings.
Then it is time to compare the premium to the value of savings. As we know that the premium is the amount of funds to be paid to the insurance company each month or year. Choose the insurance premiums that you can afford, do not 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 to be removed in time. This way you will know if the funds of the output will be sufficient future cost of your child's education.

Flexible withdraw money.
Things you need to consider next is a matter of withdrawal. Choose a flexible policy penarikakan because there are companies that can not be removed before the specified time. Would be embarrassing if your child is accelerated and go to the next level faster than expected progress.

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

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