what is it with insurance?

what is it with insurance?

what is it with insurance? - Why do we need insurance .. ?

Insurance is basically important and needs should be met by each individual . In the wheel of life , without realizing a lot of threats and dangers is defined as the risk of life. The risk of the lives of ordinary property, sickness, critical illness , disability or death .

However, many of you who do not care about the risks of life. But when tragedy comes to you trace back the collision, not just you . But your family made ​​dither if you . Did not have the risks that will deal happen

" What can you do to ensure a sense of security and financial security of your family?" All you can do is open an account insurance. The advantage is that you can get when opening an account are:

Make sure that your family have sufficient funds in case you move the world suddenly

When that happens, when you can get to protect yourself with insurance products, such as the family heritage valuable protection against unforeseen risks in the form of the sum insured .

Make sure that your family can maintain the quality of life when you move around the world.

Without the protection of insurance , the incident resulted in the family lost source of income so that your family standard of living has continued to decline . The insurance you will have to provide financial compensation in the form of the sum insured and other insurance benefits for you as a family heritage .

The ability to pay for your children's education

If you pay your premium installment proverbial gradually for the future needs of your children.

Satisfying your needs in old age / retirement

Over time , your age and continue until you retire to grow someday. At this moment the premium you pay for the purposes of the age will help you to meet a variety of requirements. You , so that they can enjoy the age with well-being to obtain more adequate funds for your needs from month to month.

Written by whyasuransi at 19:59 No comments :

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Location: Banda Aceh , Indonesia

Here are our tips on choosing an insurance company

You want to buy a life insurance policy ? Do not rush . There are several things . In determining what is going insurance products to wear, either for yourself or for your employer Some tips can help you .

First After economic calculation Separate the elements / objects

Choose items that really need to insure , so you have nothing to lose . For example, if you intend to take fire insurance for your home and household items, then you do not need to make the computer and all its accessories in the calculation. Why ? Since the residual value for the company's computer are very low compared to the value at the time of purchase or at the time the computer is insured.

Another example , would a motor vehicle ( car) to take the assets of the Company . When the cars are insured over 10 years old, the economic cost of the insurance premium will be higher . Another case when the company manage its own / self- insurance on the vehicle assets.

Second Identify items / objects are clearly

You should first identify the goods / items to be insured . For example, the Toyota Corolla Sedan 1998. Connected at the company , such as a textile factory machinery , generators and other equipment with the activity of the plant.

3rd Select an insurance policy with a good reputation

Get a low or high premium deceive offer pieces of insurance companies , the premium rate ( given the amount paid for a unit protection). If you do, can - can not complete payment if you make a claim against her insurance company .

4th Give clear description

Give a clear description of the object that you are insured to the insurer / insurance broker. Instead, ask for more complete information about insurance products that they offer. You can about the types of insurance, extensive warranties, rate premiums , deductibles (the amount of expenses that you pay before the insurance began paying compensation ) , cut or ask claim process .

5th Set the scope of insurance coverage (insurance coverage ) is the most

You should ask the most comprehensive insurance , before the insurance guarantee insurance issued. For example, for fire insurance fire insurance can provide 4.1.A or 4.1.b RSMD + Earthquakes ( ) + flood ( tide). Property insurance for buildings , you can ask property covers all risks ( PAR). If you want to insure your vehicle , ask your auto insurance covers all risks RSMD 4.1.A , etc..

6th Choose a package of insurance products

Instead of choosing only the choice of an insurance product , you will be encouraged to a package at a time . So you will get discount facilities and better service. For example, the purchase of home insurance ( fire insurance ) for the following vehicles ( motor insurance) and accident for the family members.

7th Ask the system " first-loss insurance "

Especially for objects that value / very large number , such as 100 billion , the system of " first-loss insurance " to the insurance company have that the premium that you pay is not too great.

8th Place the system "Adjustable policy "

Value / amount of insurance stock merchandise usually show a different volume per day or per month. To fix this , you can " set policy " to ask the system. With this system, a premium in accordance with the volume / transaction pay really need to do .

9th Read carefully and make

Read and check the content of policy statements and articles thereof . Learn about the procedures that claim , you will have done an insurance issue before approval. If there is error in writing , either through insurance or other information object , immediately inform the insurance / insurance broker. They are a written improvement in the policy shortly.

If you authorized the issuance of the policy in question , request a copy of the original document and the policy , complete with receipt as a sign of ownership and payment of insurance premiums .