How to choose the right insurance product for you and your family
Mostly for people who are already married and having insurance products have become an obligation that must be met. This is because if a family has a good insurance for survival in the future, or earmarked for health, then it will not have difficulty in running it. You need to choose the right insurance and adapted to the needs that exist, in order for the insurance that you use can be utilized appropriately and optimally, said Executive Director of the life insurance Association of Indonesia or better (as we know it AAJI) Benny Waworuntu said, the Journalist Class & Gathering organized by OJK at Akmani Hotel Jakarta.
For those who want to have insurance products, here are some ways to choose the right insurance for you and your family:
This first way, become important tips to confirm whether the seller's insurance is the official registered agent or just simply a broker only. What makes something like this be important? If a person becomes an official dealer and he will have a great responsibility towards the insurance products are sold. What is more responsible towards the client or participant who becomes his charge. If the person is not the agent of and has no official certification then motivation in selling insurance products will be questioned. The most important thing is that if he is the one who has no experience in their field aka broker most likely you as its clients have trouble when claims occur because she can't help you directly, and obviously this is very harming yourself who have already chose the insurance product.
How do we ensure that the insurance agent is official? that is by way of asking AAJI membership (life insurance Association of Indonesia). Every official agent must have registered and have a card that is either AAJI temporarily or who have a fully licensed. So there is no harm if you ask their membership if you are offered insurance products, to anticipate things unwanted by you in the future. The most important thing is to make sure that the agent that offers insurance products that later can help you in case of claims or take care of administration and more. If the agent does not have the AAJI then first impression will appear on yourself is the sense of doubt with the capability and credibility of the Agency.
Often you do not know the precise needs in buying something. Buy insurance products are not the same by buying tangible products (can be seen, touched) examples such as cars, homes and more. Because it is essentially an insurance product to include intangible (cannot be seen, touched), but its effects can be felt for a lifetime. Therefore the initial consideration of a mature very decisive, because if not right in choosing then losses will be felt by yourself for a lifetime. However you can stop at any time to cover the insurance policy. But if it happens so then loss will await you.
When deciding to consider purchasing insurance policy of a product from the insurance company, the first You do is to determine the needs of the first example is as follows:
Rian was married and had two children, he has a net income per month amounted to Rp3 million, he's planning to buy insurance products to protect himself and his family. What if the product is right for Rian and her family? After done interview that Rian wanted: all family members when he died, all the family members protected or protected when experiencing pain to do hospitalization, all family members protected when subjected to the critical hurts, all family members protected when subjected to a crash. On the other hand Rian want premiums does not disappear and even its value continues to grow.
See the need Rian, of course only with insurance products that can handle all your needs updating. But when he saw his income just Rp3 million per month the important question that arises is how the funds were able to be provided to pay for the premium per month, after all the daily needs would be sure? well at this point think Rian would like to save the Fund amounting at Rp500 thousand per month.
You need to know that life insurance contains elements of basic insurance namely insurance death and permanent disability insurance. So all life insurance products can certainly have this clause (or better known as the sum assured). Already certain other protection is just as extra insurance. The fact that the basic insurance additional insurance or have a cost that must be paid within the period specified. Usually this cost will be deducted from the premiums paid. This means if we view the problems faced by Rian above who wanted the cash value of the premium is not reduced it means there are facets of investment/savings from insurance desired. Then he must sacrifice a portion of his desire to get all the protection. Because if Rian wants all family members protected, then it can be sure the monthly insurance cost will be higher and means it will reduce the cash value gained because the planned premium only at Rp500 thousands only. Different if premiums deposited amounted to Rp5 million then it could be ascertained all the desired protection can be obtained.
With the cash value diminishing due to load additional insurance costs that much, it was feared the Fund not enough until the time limit which has been specified. Could even suffer losses twice IE the cash value out of stock any protection stops. If Rian wants the cash value of the insurance is more than protection then the way a good alternative throw some extra protection, choose some appropriate, do not place the whole family members in the insurance program but chose that really need to be insured. So later the investment that has been made will be felt the most.
You do not need to be hasty and confused when buying insurance products, but also don't be too long, because insurance protection is indispensable in a world that is not predictable, you don't know when ill or experiencing natural disasters or even more bad died. To determine the credibility of the company is indeed not easy, but the following things worthy of note.
The age of the company determine the credibility of a company because it proves the existence of companies that continue to run on the other difficulties the economy from time to time. It's just often age companies are not directly proportional to the quality of products and services, because there is a long but bound to the old management models so that in the end did not evolve, but at least this is the first thing that needs to be You question.
The award is earned, the credibility of a company any supported from the company's ability to obtain the award. The involvement of insurance companies in the event the competition is very important because the insurance business is a base service. So the commitment to serve customers well be evidence of seriousness the company in maintaining customer confidence.
Capital, there are many opinions that non local insurance even stronger if compared to a local insurance. This presumption is indeed not wrong but less precise. Indeed there is in fact a local insurance rolls mat because capital is not strong and just as conglomeration of companies. But if we look at some of the local insurance company also survived a long period of time, even up to at any time can exist on.
For this last way you normally answer myself to circulate by insurance agents, because it was the right product compare from consumers, so it is better to get the best insurance product from existing ones. No need to hurry, ask several insurance companies making illustration and start studying the insurance product. Of course the comparison is done not in spite of knowledge of tips, so when getting the most appropriate insurance product that is the result of careful consideration.
Consider Well
By studying carefully a few things that you should consider before choosing an insurance product that will be used, will certainly help you select appropriate insurance products as well as according to your needs. For it to consider well before the vote.
For those who want to have insurance products, here are some ways to choose the right insurance for you and your family:
- 1. make sure the seller is Licensed Agent insurance product AAJI
This first way, become important tips to confirm whether the seller's insurance is the official registered agent or just simply a broker only. What makes something like this be important? If a person becomes an official dealer and he will have a great responsibility towards the insurance products are sold. What is more responsible towards the client or participant who becomes his charge. If the person is not the agent of and has no official certification then motivation in selling insurance products will be questioned. The most important thing is that if he is the one who has no experience in their field aka broker most likely you as its clients have trouble when claims occur because she can't help you directly, and obviously this is very harming yourself who have already chose the insurance product.
How do we ensure that the insurance agent is official? that is by way of asking AAJI membership (life insurance Association of Indonesia). Every official agent must have registered and have a card that is either AAJI temporarily or who have a fully licensed. So there is no harm if you ask their membership if you are offered insurance products, to anticipate things unwanted by you in the future. The most important thing is to make sure that the agent that offers insurance products that later can help you in case of claims or take care of administration and more. If the agent does not have the AAJI then first impression will appear on yourself is the sense of doubt with the capability and credibility of the Agency.
- 2. Identify the needs and capabilities of your first
Often you do not know the precise needs in buying something. Buy insurance products are not the same by buying tangible products (can be seen, touched) examples such as cars, homes and more. Because it is essentially an insurance product to include intangible (cannot be seen, touched), but its effects can be felt for a lifetime. Therefore the initial consideration of a mature very decisive, because if not right in choosing then losses will be felt by yourself for a lifetime. However you can stop at any time to cover the insurance policy. But if it happens so then loss will await you.
When deciding to consider purchasing insurance policy of a product from the insurance company, the first You do is to determine the needs of the first example is as follows:
Rian was married and had two children, he has a net income per month amounted to Rp3 million, he's planning to buy insurance products to protect himself and his family. What if the product is right for Rian and her family? After done interview that Rian wanted: all family members when he died, all the family members protected or protected when experiencing pain to do hospitalization, all family members protected when subjected to the critical hurts, all family members protected when subjected to a crash. On the other hand Rian want premiums does not disappear and even its value continues to grow.
See the need Rian, of course only with insurance products that can handle all your needs updating. But when he saw his income just Rp3 million per month the important question that arises is how the funds were able to be provided to pay for the premium per month, after all the daily needs would be sure? well at this point think Rian would like to save the Fund amounting at Rp500 thousand per month.
You need to know that life insurance contains elements of basic insurance namely insurance death and permanent disability insurance. So all life insurance products can certainly have this clause (or better known as the sum assured). Already certain other protection is just as extra insurance. The fact that the basic insurance additional insurance or have a cost that must be paid within the period specified. Usually this cost will be deducted from the premiums paid. This means if we view the problems faced by Rian above who wanted the cash value of the premium is not reduced it means there are facets of investment/savings from insurance desired. Then he must sacrifice a portion of his desire to get all the protection. Because if Rian wants all family members protected, then it can be sure the monthly insurance cost will be higher and means it will reduce the cash value gained because the planned premium only at Rp500 thousands only. Different if premiums deposited amounted to Rp5 million then it could be ascertained all the desired protection can be obtained.
With the cash value diminishing due to load additional insurance costs that much, it was feared the Fund not enough until the time limit which has been specified. Could even suffer losses twice IE the cash value out of stock any protection stops. If Rian wants the cash value of the insurance is more than protection then the way a good alternative throw some extra protection, choose some appropriate, do not place the whole family members in the insurance program but chose that really need to be insured. So later the investment that has been made will be felt the most.
- 3. Identify the insurance company offering the product
You do not need to be hasty and confused when buying insurance products, but also don't be too long, because insurance protection is indispensable in a world that is not predictable, you don't know when ill or experiencing natural disasters or even more bad died. To determine the credibility of the company is indeed not easy, but the following things worthy of note.
The age of the company determine the credibility of a company because it proves the existence of companies that continue to run on the other difficulties the economy from time to time. It's just often age companies are not directly proportional to the quality of products and services, because there is a long but bound to the old management models so that in the end did not evolve, but at least this is the first thing that needs to be You question.
The award is earned, the credibility of a company any supported from the company's ability to obtain the award. The involvement of insurance companies in the event the competition is very important because the insurance business is a base service. So the commitment to serve customers well be evidence of seriousness the company in maintaining customer confidence.
Capital, there are many opinions that non local insurance even stronger if compared to a local insurance. This presumption is indeed not wrong but less precise. Indeed there is in fact a local insurance rolls mat because capital is not strong and just as conglomeration of companies. But if we look at some of the local insurance company also survived a long period of time, even up to at any time can exist on.
- 4. Compare With Other Insurance Products
For this last way you normally answer myself to circulate by insurance agents, because it was the right product compare from consumers, so it is better to get the best insurance product from existing ones. No need to hurry, ask several insurance companies making illustration and start studying the insurance product. Of course the comparison is done not in spite of knowledge of tips, so when getting the most appropriate insurance product that is the result of careful consideration.
Consider Well
By studying carefully a few things that you should consider before choosing an insurance product that will be used, will certainly help you select appropriate insurance products as well as according to your needs. For it to consider well before the vote.
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