different insurance and life insurance

In there are two types of insurance products that generally makes a product we know , among others, and life insurance losses . The following explanations may be useful : 

a. Insurance Losses 
Closing the coverage for loss due to damage or obliteration insured property due cause - a cause or event which the insured ( cause - a cause or danger - the danger referred to in the contract or insurance policy ) . In general insurance , the insurer receives a premium from the insured and in the event of damage or obliteration on the insured property compensation will be paid to the insured . This is an example of insurance products :

    fire insurance
    Sea Transport Insurance
    Motor Vehicle Insurance
    Boat Insurance Framework
    Construction All Risk ( CAR )
    Property / Industrial All Risk
    Customs Bond Insurance
    Surety Bond Insurance
    Personal Accident Insurance
    Health Insurance
    and others 

b . Life Insurance 
Closing the insured to pay the amount of compensation due to a person's death or permanent life insurance term .In life insurance , the insurer receives a premium from the insured , and if the insured dies , the benefit ( sum assured ) is paid to the beneficiary or a person designated in the policy as beneficiaries . examples of this type of insurance is Pure Life Insurance ( Whole Life Insurance ) , Term Life Insurance , Short Term Life Insurance ( Term Insurance ) .

avoid risks that impede family togetherness

Planned family life is a form of love we give , ranging from the education of children who planned the details of planning a targeted , high quality infrastructure for the support that your baby education . Growing the business that you have in order to reach a satisfactory outcome for the foreseeable future and certainly can provide a rewarding investment for the family through insurance programs .
Various risks could become a bottleneck in the era of globalization the world is constantly evolving , ranging from the increasing cost of living , including the cost of education , people's lifestyles are affecting the health or dangerous disease risks , and other risks that could hamper family togetherness if not accompanied by a guarantee or life insurance policies for private and family life .
It's time to design a life to the fullest , because the risks can happen to anyone , anytime , and anywhere. Place your own family togetherness at the best level with appreciation that you give , embraces life and face many risks with guarantees that can protect you and your family .

life insurance with benefits financial protection

Life insurance is a protection program in the form of financial risk transfer on death or life insured person. Life insurance is often posited as an umbrella or a float in the boat . Is needed because it is useful at times but when the unthinkable is safe .

When we are married we have a responsibility to meet the needs of family life and also required to be able to manage household finances to protect people - our loved ones financially .

How Life Insurance can provide protection Financial benefits ?
Financial protection referred to here is the creation of the flow of funds as the main source of income earner can no longer provide for his family , one of the ways in which to support the family financially is to purchase a life insurance policy .

Because by having a life insurance policy then the head of the family or primary source of income earner can provide financial protection for family members in case of things like unexpected death . Guarantee insurance will provide financial support for the family members left behind to be able to continue her life until they are independent .

strategies for deciding on a automobile insurance plan

Choosing motor insurance isn't quick. Specifically in the midst of fierce rivalry these days. Almost all insurance companies possess automobile insurance plan goods. Stay potential customers to settle on what one respectable get. As a result beneath all of us current many conditions to ensure no person decided to go with:
1. Potential customers tend not to obsess with for the affordable advanced charges. As a result, in this rivalry, quite a few insurance companies slam rates, provides affordable advanced charges. Though possibly not a guarantee involving assistance.
only two. View the insurance plan bundle made available. By way of example, extensive extended warranties for you to simply how much. As a result, extensive security must be tweaked with the need in addition to ability to potential customers.
3. View furthermore the particular community involving insurance companies anxious. By way of example, how many possess a branch company or even how many partners possess a storage area, to ensure zero declare would not hang on lengthy to mend the car or even motor vehicles claimed missing.
4. Might be asked 1st convenience, ability or even what exactly additional price can be purchased while purchasing the insurance policy from the firm. By way of example, is there the pull pick up truck, automobile substitution or even hotline solutions, technician solutions, ambulances and the like. And also, finally is easy to produce adjustments as well as convenience inside wondering.
5. Think about furthermore bonafides insurance firm. Do not get therefore there exists a declare, the particular working area would not possess a lover. As a result, quite a few insurance companies declare they may be the very best. Whereas financial issue was extremely critical.

In addition to the preceding, there are numerous elements that should be considered in the process involving choosing a insurance firm, which include inside choosing the product or service. It is important to keep in mind that will inside deciding on a individual insurance firm, after that that should be considered generally speaking tend to be three elements.

1st, the particular financial energy (security ). Next, assistance ( assistance ). And also third, expense or even expense. The financial energy involving insurance plan linked to send out financial ability to meet the promise should the predicament needs. You should learn, since an excellent number of insurance companies are looking for the particular fancy external surfaces. By way of example storey developing, beneficial owners motor vehicles. But while presently there promises through consumers, this company cannot pay out.


With examining the particular financial energy these there are numerous criteria that will need to be considered.
the. Belongings in addition to financial obligations. It can be seen from the combined balance published can be published from the newspaper. View furthermore, whether or not selected and planted with the current economic investment or even longterm. In terms of responsibility ( capacity in order to financial obligations ) will glance at the balance published, how the financial obligations by reinsurers, the way he or she satisfied his or her responsibility to pay for promises, and the like.
Signals involving online financial obligations incorporate fairness (own cash ) separated by online monthly premiums ` ` ( online monthly premiums ) involving at the least 50 %. Own cash separated by ` uncouth ` monthly premiums ( uncouth monthly premiums ) involving at the least 20 %. Limit the degree of solvency, as seen through its very own cash separated by online monthly premiums involving at the least ten percent in addition to investment finances techie stores separated by at the least 100 %.
n. Underwriting Insurance plan. In the balance published in addition to annual survey will probably be seen that the insurance plan remains the income, or even income progress. Which means that his or her insurance policy underwiting beneficial.
chemical. Their underwriters. Insurance plan offers staff certified or even not necessarily. It's acknowledged from the user profile involving businesses that includes the particular underwriters him.

Companies ( assistance ) is a reflection on the degree involving human resources with the company's certified or even not necessarily. Additionally, the particular insurance firm can be offering a site, therefore fantastic assistance is the important. By way of example, the particular degree for you to that your swiftness involving assistance inside both the insurance policy concern specifically from the transaction involving compensation or even declare.
Also, in regards to the assistance could possibly always be experienced by the consumer. Is the insurance firm was definitely the very best solutions because of its consumers.

On this connection it should furthermore always be wondered, whether or not the insurance firm is actually reinsurance mereasuransikan school security. It can be seen from the annual survey. You should take note, if this company isn't backed - in place by reinsurance, this company may very well be speculative inside having the particular monthly premiums.

Sixty simply how much the fee sustained by insurance companies in operation. Whether it is in excess of the price of accessibility, it's apparent this company isn't effective. Whether it's not necessarily effective, this can be losing money. And also, should you regularly eliminate, most certainly not healthful.

On this connection can also start to see the value monthly premiums. Review the buying price of insurance fees having different insurance plan. Where the top quality is actually beneficial.

These days the government offers collection the standard involving medical insurance ( not necessarily the only one ) can be by way of mekanime RBC ( Risk Bottom CAITAL ). In the event that RBC variety was substantial, what this means is this company can be appreciated inside good shape. But all of us mustn't be fixated exclusively having RBC numbers. As a result, it could be a sizable firm that is certainly doing a real significant development for you to open quite a few limbs, after that his or her RBC numbers could well be tiny.
Rather, there exists a tiny insurance firm yet to not ever expand, the particular RBC variety was likely considerably greater.

As a result, RBC numbers can not be employed for the reason that simply calculate, whether or not the insurance firm can be healthful or even not necessarily.

In this case, furthermore significant is the company's functionality in the last several years. The size of earnings each year, simply how much uncouth monthly premiums they acquire each year, simply how much further cash in addition to resources each year.

And also, finally can be how the conduct on the company's supervision through the years. Perhaps there is the supervision firm due to this cracked promise? Features the corporation seasoned supervision and also other fails.

which are the best savings in banks or insurance education ?

Saving money is a good thing for us to do , especially to meet the needs in the future . Given the inflation rate in Indonesia is increasing. Future needs of the example is education for children .

Education plan for children should we do as early as possible , ranging from 1 -year -old son , so that in time our children enter school as parents do not have to worry looking for funds to pay for school tuition .

In the insurance papers explained that the importance of saving functions in the future then we have to decide where to save the safe , which of course has advantages compared with savings elsewhere . Most people choose a place to save on some financial institutions such as banks or insurance companies . So which is the best , save in the bank or insurance ?

In Saving Bank
There are some banks who have savings deposit program for children's education , by offering benefits withdrawals within a certain time period other than that there is also the offer of a prize draw directly from the bank . You need to dig the fullest information about this product before deciding which will save money , you should know first about the system is flexible setorannya whether or not , you also have to think about the risks of life that could have happened to you ( critical illness , permanent disability , death ) that causes can not deposit money for children's education savings funds have been able to direct liquid or forfeited because the customer can not meet program requirements have been made before ? Will the bank give compensation to customers who are experiencing the disaster ? ertanyaan This may seem trivial but it helps us ask first so not wrong in choosing educational savings programs for children .

Saving on Insurance Companies
Saving for child education insurance the company is basically the same as the system if we save in the bank , if the difference is the way you save and your savings plan targets have not been reached, but you did something you ( critical illness , permanent disability , death ) , then the insurers will provide insurance and guarantees to replace your child's education savings deposit until the time period specified in the insurance policy that has been agreed upon between you and the insurance company .

full explanation of the insurance policy

When it comes to insurance , one of the terms most frequently referred to is the insurance policy . Actually what is the insurance policy ?

Definition of an insurance policy is the insurance document that contains the agreement between the insured ( customer ) with the insurer ( the insurance company ) . Thus , the insurance policy is a contract that the insurance company will cover a number of future losses that may arise on insurance customers . Sometimes , people call this insurance policy also with the term ' contract ' , ' contract polis ' , or ' certificate of insurance.

This insurance policy is important for customers and insurance companies . Here's the function of the insurance policy .
- As written evidence for both sides ( the insured and the insurer ) in a deal that has been agreed upon .
- For customers , the policy means the guarantee of reimbursement from the insurance if something unexpected happens as stated in the policy . Looking for an insurance company , the policy means a premium receipt from the customer .
- For customers , the policy means the insurance premium payment receipt . With the policy as well , customers can sue the insurance company if it does not fulfill the obligations as agreed in the insurance policy.

Before you decide to buy an insurance policy , you should first know the benefits and details of the insurance product . Likewise when the policy is issued , you should carefully read their points across . Especially in the following sections .
- Note the premiums . Also mentioned in the policy premium to be paid . Make sure that the premium payment system as previously promised by the insurance agent .
- Insurance benefits . On the insurance policy clearly stated what are the benefits that you can receive . You need to study them carefully to ensure that you can match the benefits they've promised .
- See exceptions . You need to also understand what are the exceptions that make insurance benefits can not be enjoyed .

If you already have an insurance policy , there are some important things you need to keep well .

Policy number . When dealing with the insurance company , you will usually be asked about the policy number . Because it's very good for you to keep the policy number . For example , you can save the policy number on the phone . So if at any time it takes , you can easily find it .
Save the policy file . Keep the insurance policy carefully . So that if you need can be easily retrieved .

parental insurance prepare early education

Children are everything to every parent . So no wonder if the attention of every parent would be centered on their children , ranging from the process of pregnancy , birth , growth , to maturity and to ensure the future of the child , not uncommon for people tuapun begin preparing for their insurance products . For example, starting from his childhood , when you're done with exclusive breastfeeding until a baby is 6 months old , the baby's parents will accustom them to begin to provide food support . Surely that would be required to support food at its best. Babies need quite a lot of foods that have a high nutrient content for growth .

Healthy food for babies should be natural foods , are foods that are free from harmful preservatives , coloring agents , flavoring, and also made ​​instantly spices . It also is an attempt to make the kids have health and good growth , so that later became a smart kid and could be useful . In addition , to support health , not forgetting hygiene should be fostered .

Completing all of them , early education is paramount in the family that children can someday be a good person , either for themselves or for others . Well , to support an education , in addition to early education in the family , the child also needs to get a formal education in a place that would be useful for the development of their mental and socializing with his friends . To support the education of the baby in order to always be able to enjoy a good education , it is now often the parents have set up education insurance . Because they realize a lot of unexpected things that may interfere with education funding so beloved children .

health insurance for entrepreneurs

Health insurance for some people still considered less important , especially if you 're young and never got the disease . Insurance is not a product that can be consumed in the near future , the benefits can only be felt when there is an accident or claim .

If you are an entrepreneur or work in the informal sector who do not have health insurance , it will be a disadvantage if you are going to buy a new insurance policy when you have severe pain and a lot of money for hospital treatment .

For an entrepreneur if you get sick or suffer permanent disability due to an accident will have a lot of financial losses , because they have to bear the cost of treatment themselves , and can not make a living . Than if you are working in a large company or government diinstansi work , usually will obtain health insurance that would cover the cost if the pain and bulananpun fixed salary paid .

Thus health insurance should be held as early as possible before an event that we do not want to happen , especially if you work as an entrepreneur or work at a company that does not provide a guarantee kesehatan.Informasi insurance is very important for you to know the type of insurance and products .

the benefits of life insurance savings

To meet their needs in the future , most people do with saving money . By setting aside a portion of income for savings . The future needs for example to children's education , medical expenses , working capital , buying a new car , as well as for the preparation of the old days , or sometimes also to meet unforeseen needs . For example, a family member is seriously ill so costly .

Often we find many people who have the belief that saving is better than buying an insurance product , perhaps even including us , but whether we 've realized that by having investments in life insurance savings we will gain greater financial benefits to saving in the bank ( conventional ) and plans for the future we will be easily achieved ? To prove this let us look through the illustration of the comparison below :

example :
Sir Jon is currently 29 years old and had one son who was 3 years old , he has a plan that 15 years later hoping to have enough fund of 180 million , to put their children to college. To realize this plan pack heru monthly saving 1 million , then what would happen if in case pack Heru he had an accident that resulted in disability or death in year 4 before the target savings achieved ?
• Savings in Bank ( conventional )
Jon died so pack the product and savings will berahkir heirs will receive according to the amount of savings deposited by heru pack , when the pack Heru who died at age savings - 4th year the heirs would only receive 48 million plus interest . If the pack heru not die but suffered permanent disability , he was the backbone of the family can not continue to save because of difficulty making a living , even the funds that have been collected for the purposes of education , which was originally used for the purposes of child threatened by other more urgent , because we can save money in the bank grab cash at any time . And what about the plans for his lecture ? Certainly it would be difficult to be achieved .
• Saving and investing in Life Insurance company
By the time the pack Heru death the beneficiary will receive the full amount of bail funds listed on a life insurance policy . If the pack heru suffer permanent disability due to an accident , then the savings of 1 million per month which should be the responsibility of Sir Jon will be paid by the insurance company until the contract expires as stated in the insurance policy . If he dies the heirs will still receive the sum assured in accordance with the insurance policy contract . For example, 180 million ( although the number of new Jon savings pack 48 million over 4 years ) so the above illustration is clear that the ideal pack to lecture her son Heru will be more easily achieved with the help of insurance .

From the examples above illustrate , we can conclude that the savings investment in life insurance benefits better protection against the value of your money for the long term , and provide assurance to the achievement of future plans , in addition to life insurance also gives you a sense of security and freedom from feelings of worry if this happens - the unexpected .

life insurance for the important is still single ?

You are still young , single , have not had children have the life insurance is important ? Most discourse about the importance of life insurance is more focused on the head of the family as the backbone of the family , in order to protect the family financially if the bear dies , then what are you still single ?

Is there a person who suffered a loss when we die ? It seems not ... but , however , although we do not rely on others , we are still going to leave the credit card debt , mortgage , cash loans , until the cost of the funeral . Again terdekatlah family to bear .

Life insurance policy will generally cover all these costs . In the described insurance information , The younger you buy insurance , you can get a cheaper premium . Insurance will also ensure that costs you remove it if you have health problems later is called the insurance policy .

become a sustainer insurance alternative family

How was the amount , money is no substitute for the price of a life , especially the lives of our dear father so . A figure that will never be replaced , now only rewarded with a compensation amount of dollars .

At least that's the brief description will change the life insurance money that will be given to the family of the owner of the policy. At first it may have an insurance policy is not a priority choice in life , but considering the type of work the head of the family did not have the assurance to public servants like the old days , so any type of life insurance is an important option .

It is true that the life a person can never be replaced by money , but what if you do not have a life insurance policy and deposit ? By chance alone , we are a family that has enough members , especially with the average age is still in school and obviously costly. In this case our dad is gone can still send us , can still be the backbone of the family savings , life insurance , and deposits which he has had during his lifetime .

It is also one of the alternative resolution of financial problems no doubt would often appear in everyone's family life . So , for what no doubt have insurance ?

jelly before signing insurance policy

Health insurance until recently become one of the most avoided by most people , in fact rarely even when they hear the word insurance straight away and frowned . It may also be that you are experiencing, even if there is not infrequently insurance sales call and offer you any insurance product immediately reject it and reluctant to talk at length with them .


Not just only that , because of the large insurance news about people who feel aggrieved by its insurance policy , because they feel that the management is difficult and cumbersome , if any can be taken care of quickly , then only the health insurance cover or bear trifles temeh are often not much help , but feel a policyholder has to pay quite dearly for it .

Do you also experience it ? In determining health insurance , it helps you select the insurance product that has been reliable and of course with good credibility . Once you determine which insurance products you will use, then try to carefully before signing the papers and treaty agreements , read well so that you know what it is insurance for your order .

This is very important , because not infrequently the only signature without first read the agreement , regulations , from insurance policies to be taken . And things like this that will eventually lead you to a word " fraud " or other negative things that are now often leveled at the insurance company . In fact, if you can be more thoroughly before signing the insurance contract , you can do if you feel the insurance denial was not enough to help you . Because obviously a wise consumer has the right to get the best service .

public enthusiasm insurance will need back enhanced

Although life insurance growth in Indonesia continued to experience rapid growth , but when compared to the growth of insurance in another country , Indonesia can still be said to be far behind , in other countries are very diverse types of insurance to have insurance tubuhpun care .

Indonesia 's growing insurance industry is expected to be stable with the awareness of the importance of insurance is not evenly distributed , even if the claim is to be paid the insurance companies is increasing as well , it shows the progress of the development of a balanced , because the return on the insurance goal to protect people's lives and welfare of the people's survival .

The enthusiasm of the community needs to be increased through the re- insurance information through a variety of media , so pertumbuhannyapun experienced similar things , especially in this era of globalization of community participation in the insurance program will greatly assist people facing the possibility of bad in life , especially the surge in the cost of education is increasing.