In principle, insurance is a financial product, which has a function to provide financial protection for risks and hazards that may arise. There are two things that we must emphasize here, namely: financial and risk protection. Definition of financial protection that insurance provides compensation or reparation in case of danger. Identification of risks and natural disasters, which are covered by insurance, such as death, accident, disability, fire, and so on.
Thus, the answer to the question whether or not we have insurance, and insurance that is needed, we must see the risk that might happen, and how big the financial implications. For example, you are the head of the family, which provide for the children and wives. If you die, your wife and children lose their lives. This means that you need life insurance so that if a disaster occurred, the insurers will provide coverage to replace my wife and children who are temporarily residing. But if you're still single and have no dependents or a loan, there are no serious financial consequences, if you die, it means that you do not need life insurance.
This life insurance has many options to attract consumers. The simplest form of life insurance term life, where your money is going to lose if not catastrophe. In fact, such insurance is most beneficial for their clients, because the premium is cheap, and do not need to worry if his insurance company was bankrupt and in the future. Unfortunately, most customers are not interested because of the money burned, if no claims.
Plus there are also the life insurance investment is also a form of various education insurance, retirement insurance, and so on. Essentially the same, plus insurance investment. The only difference is the targeted use of investment funds, investment or outcomes for children in education expenses or for retirement later.
F principle of general insurance such as home and vehicle insurance. If your car you have experienced damage due to accident or stolen, will it affect your finances. If so, then you need vehicle insurance. Conversely, if you feel it does not matter whether the problem is the use of private funds for damage to vehicles, then you do not need vehicle insurance.
Insurance as an umbrella that can protect you in the rain. It is used only as a precautionary measure only. If the rain is used, if it does not rain it is not used. However, unused or not, you still have to buy these umbrellas. And before you buy an umbrella or not, consider whether the day will be rainy or sunny bright it seems. Will there be a problem if rained on, or why not a little wet. Same with insurance, first consider how likely it is that the risk arises. And whether it's problematical if there is a risk, that is, he can bear the risk themselves, or with the support of insurance.
What's good insurance? That is the insurance that fits your needs. If you have difficulty to maintain a regular basis, simply select the education of insurance that can force you to put aside for future children. But if you already have your own plan for education financing, life insurance, term life will be better for you. For health insurance, try to learn the place of labor law firm, if enough, this insurance is not necessary. In addition, as a Muslim to choose insurance. Because sharia insurance without usury and gambling elements are very difficult for conventional insurance.
Some things you should also pay attention when buying insurance.
For insurance, make sure the name of the insured person at his own discretion as breadwinners, and not on behalf of his wife. Enter the name of his wife and children as beneficiaries.
Save an insurance policy to a place safe and well-known as your descendants. Especially for home insurance policy does not keep in the house.
Third, ask the employee to explain the insurance to you and your descendants as insurance reimbursement procedures in case of natural disasters.
Make sure you always pay the premiums on time and save it as proof of payment will be required at the time of claim. Do not depend on the officers, Premium Collection, if they do not come, pay directly to his office.
BE
Why? Because life is full of risks, irrespective of health risks, accidents and even at some risk of death (only time can not be predicted)
Anticipating these things, then we should insurance not be avoided, but intuk minimize the consequences of those risks.
not only that this is not all the risks, do not have enough money, insurance is so open as AJA, so open an account, but not in the bank, but the financial lenbaga non-bank financial institutions, insurance companies.
Therefore, we have the following insurance, because insurance is a necessary and good as long as we know what we need insurance, and in accordance with the needs of the family.
Thus, the answer to the question whether or not we have insurance, and insurance that is needed, we must see the risk that might happen, and how big the financial implications. For example, you are the head of the family, which provide for the children and wives. If you die, your wife and children lose their lives. This means that you need life insurance so that if a disaster occurred, the insurers will provide coverage to replace my wife and children who are temporarily residing. But if you're still single and have no dependents or a loan, there are no serious financial consequences, if you die, it means that you do not need life insurance.
This life insurance has many options to attract consumers. The simplest form of life insurance term life, where your money is going to lose if not catastrophe. In fact, such insurance is most beneficial for their clients, because the premium is cheap, and do not need to worry if his insurance company was bankrupt and in the future. Unfortunately, most customers are not interested because of the money burned, if no claims.
Plus there are also the life insurance investment is also a form of various education insurance, retirement insurance, and so on. Essentially the same, plus insurance investment. The only difference is the targeted use of investment funds, investment or outcomes for children in education expenses or for retirement later.
F principle of general insurance such as home and vehicle insurance. If your car you have experienced damage due to accident or stolen, will it affect your finances. If so, then you need vehicle insurance. Conversely, if you feel it does not matter whether the problem is the use of private funds for damage to vehicles, then you do not need vehicle insurance.
Insurance as an umbrella that can protect you in the rain. It is used only as a precautionary measure only. If the rain is used, if it does not rain it is not used. However, unused or not, you still have to buy these umbrellas. And before you buy an umbrella or not, consider whether the day will be rainy or sunny bright it seems. Will there be a problem if rained on, or why not a little wet. Same with insurance, first consider how likely it is that the risk arises. And whether it's problematical if there is a risk, that is, he can bear the risk themselves, or with the support of insurance.
What's good insurance? That is the insurance that fits your needs. If you have difficulty to maintain a regular basis, simply select the education of insurance that can force you to put aside for future children. But if you already have your own plan for education financing, life insurance, term life will be better for you. For health insurance, try to learn the place of labor law firm, if enough, this insurance is not necessary. In addition, as a Muslim to choose insurance. Because sharia insurance without usury and gambling elements are very difficult for conventional insurance.
Some things you should also pay attention when buying insurance.
For insurance, make sure the name of the insured person at his own discretion as breadwinners, and not on behalf of his wife. Enter the name of his wife and children as beneficiaries.
Save an insurance policy to a place safe and well-known as your descendants. Especially for home insurance policy does not keep in the house.
Third, ask the employee to explain the insurance to you and your descendants as insurance reimbursement procedures in case of natural disasters.
Make sure you always pay the premiums on time and save it as proof of payment will be required at the time of claim. Do not depend on the officers, Premium Collection, if they do not come, pay directly to his office.
BE
Why? Because life is full of risks, irrespective of health risks, accidents and even at some risk of death (only time can not be predicted)
Anticipating these things, then we should insurance not be avoided, but intuk minimize the consequences of those risks.
not only that this is not all the risks, do not have enough money, insurance is so open as AJA, so open an account, but not in the bank, but the financial lenbaga non-bank financial institutions, insurance companies.
Therefore, we have the following insurance, because insurance is a necessary and good as long as we know what we need insurance, and in accordance with the needs of the family.
1 komentar:
Very helpful article. The amount of detail and the way you have explained the whole concept of insurance is simply superb. In just a single reading I have understood the whole idea. Thanks for posting it.
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