What do you need to see when looking for the best life insurance? We suggest 3 important features that you must see when choosing the best life insurance.
A few years ago, when we wanted to take life insurance, many offers came. However, at that time, because we did not have a benchmark, we were confused by the many features and options offered.
No less than Manulife, Prudential, AIA Financial and Allianz insurance products offered by the sales agent to me. Not to mention the offer also comes from Prudential sharia life insurance and other Islamic insurance providers.
Learning from that experience, I researched to find characteristics that determine whether or not life insurance is good.
The result is that we found 3 important characteristics that must be seen when choosing life insurance.
3 Best Life Insurance Things
What do you have to pay attention to when looking for the best life insurance? Where is the best life insurance for Manulife, Prudential or Allianz or others?
What is the comparison between Allianz vs Prudential insurance, for example, or Manulife vs Prudential? That can be answered after you know what to look for when choosing insurance.
By knowing what to see, you can evaluate insurance proposal offerings better when faced with offers from insurance sales.
We have all experienced how aggressive insurance salespeople offer their products. Without a sufficient understanding of the best life insurance problems, you will find it difficult to make the right decision for your needs.
Why do we take life insurance? What are the benefits?
Providing financial protection to the family if the head of the family experiences a death or a permanent disability which causes him to be unable to work and make a living.
That is, the protection provided must be adequate. Must be enough.
If the family's living expenses are currently Rp. 10 million a month, you cannot buy life insurance with a value of 100 million protection. That's far from enough.
Therefore, the first important feature is life insurance must provide adequate insurance money. Sufficient amount of money to support a family.
The problem that often obscures many prospective insurance customers is to mix the need for soul protection and desire for premium returns.
In fact, these two things cannot be run simultaneously, because one of them will defeat the other.
I mean, if you are looking for a high UP then the premium will be forfeited, otherwise, if the premium wants to be returned then the UP will be small. So, you have to choose, want to UP or return premiums, you can't both.
My advice, back again because the goal is protection, the value of UP should be the main focus.
You can get affordable life insurance premiums, as long as you can choose the right product. The mistake of choosing a product causes the premium to be expensive.
What are the premium insurance products that are cheap?
Term Life Life Insurance or also known as traditional life insurance. This type of life insurance has no investment element. This is traditional life insurance whose premium is forfeited.
Term Life is the cheapest type of insurance premium. Currently, term life insurance receives a monthly premium starting from Rp. 500 thousand.
I say cheap, meaning compared to the value of the sum insured.
Why is the premium as cheap as that?
Simple, because no premium is used for investment. All money is used to pay insurance costs.
Honestly, this cheap premium often contradicts the interests of agents. The agent commission is paid from the premium amount, the bigger the commission.
Therefore, it is important for prospective insurance customers to seek 2nd opinion outside the agent before deciding to buy insurance.
One of them is life insurance combined with family health insurance.
In this product, you can get soul protection while changing money if family members are hospitalized.
Not many insurance companies offer life and family health insurance in one package. But, I've read there are companies that offer these packages.
Try asking the agent if they have a family insurance package for life and health. It will be cheaper for you and your family.
Hopefully, the notes that we convey above can be a guide when melting the best and trusted life insurance. Don't be afraid of expensive insurance premiums because premiums don't need to be expensive. There are many ways to get affordable life insurance premiums.
Sumber: http://www.duwitmu.com/asuransi/3-ciri-asuransi-jiwa-terbaik/
A few years ago, when we wanted to take life insurance, many offers came. However, at that time, because we did not have a benchmark, we were confused by the many features and options offered.
No less than Manulife, Prudential, AIA Financial and Allianz insurance products offered by the sales agent to me. Not to mention the offer also comes from Prudential sharia life insurance and other Islamic insurance providers.
Apparently, choosing insurance is not an easy matter.
Learning from that experience, I researched to find characteristics that determine whether or not life insurance is good.
The result is that we found 3 important characteristics that must be seen when choosing life insurance.
3 Best Life Insurance Things
What do you have to pay attention to when looking for the best life insurance? Where is the best life insurance for Manulife, Prudential or Allianz or others?
What is the comparison between Allianz vs Prudential insurance, for example, or Manulife vs Prudential? That can be answered after you know what to look for when choosing insurance.
By knowing what to see, you can evaluate insurance proposal offerings better when faced with offers from insurance sales.
We have all experienced how aggressive insurance salespeople offer their products. Without a sufficient understanding of the best life insurance problems, you will find it difficult to make the right decision for your needs.
1 Large Sum Insured
What is your purpose for taking insurance? Let's get to the basics.Why do we take life insurance? What are the benefits?
Providing financial protection to the family if the head of the family experiences a death or a permanent disability which causes him to be unable to work and make a living.
That is, the protection provided must be adequate. Must be enough.
If the family's living expenses are currently Rp. 10 million a month, you cannot buy life insurance with a value of 100 million protection. That's far from enough.
Therefore, the first important feature is life insurance must provide adequate insurance money. Sufficient amount of money to support a family.
The problem that often obscures many prospective insurance customers is to mix the need for soul protection and desire for premium returns.
In fact, these two things cannot be run simultaneously, because one of them will defeat the other.
I mean, if you are looking for a high UP then the premium will be forfeited, otherwise, if the premium wants to be returned then the UP will be small. So, you have to choose, want to UP or return premiums, you can't both.
My advice, back again because the goal is protection, the value of UP should be the main focus.
2 Cheap Life Insurance Premium
Many have reasoned that they do not have insurance because the premium is expensive. In our opinion, it doesn't need to be like that.You can get affordable life insurance premiums, as long as you can choose the right product. The mistake of choosing a product causes the premium to be expensive.
What are the premium insurance products that are cheap?
Term Life Life Insurance or also known as traditional life insurance. This type of life insurance has no investment element. This is traditional life insurance whose premium is forfeited.
Term Life is the cheapest type of insurance premium. Currently, term life insurance receives a monthly premium starting from Rp. 500 thousand.
I say cheap, meaning compared to the value of the sum insured.
Why is the premium as cheap as that?
Simple, because no premium is used for investment. All money is used to pay insurance costs.
Honestly, this cheap premium often contradicts the interests of agents. The agent commission is paid from the premium amount, the bigger the commission.
Therefore, it is important for prospective insurance customers to seek 2nd opinion outside the agent before deciding to buy insurance.
3 Family Health Insurance
Insurance company innovation is to make products in one package. The goal is to provide a more affordable premium with more comprehensive benefits.One of them is life insurance combined with family health insurance.
In this product, you can get soul protection while changing money if family members are hospitalized.
Not many insurance companies offer life and family health insurance in one package. But, I've read there are companies that offer these packages.
Try asking the agent if they have a family insurance package for life and health. It will be cheaper for you and your family.
Conclusion
The best and trusted life insurance is important in family financial planning. Because it provides financial protection against the risk of dying to the family.Hopefully, the notes that we convey above can be a guide when melting the best and trusted life insurance. Don't be afraid of expensive insurance premiums because premiums don't need to be expensive. There are many ways to get affordable life insurance premiums.
Sumber: http://www.duwitmu.com/asuransi/3-ciri-asuransi-jiwa-terbaik/