Ages has advanced, as well as life insurance products is growing following the development needs of the community itself. But the middle of many technological advances are also people who are common to the importance of life insurance itself. Many of the Indonesian people, especially who still consider it just merely insurance associated with death, sickness and accident.
Soul Insurance is essentially a transfer of risk (Risk Shifting) for monetary damages (Financial Loss) by the insured to the insurer (This provision applies to non-Islamic insurance). Risks are transferred to the insurer is not risk the loss of one's soul, but losses as a result of loss of life or because of age old and no longer productive.
In the life of Humans, humans have values, including values: social ,, economic and others.
The value of human life in terms of social and religious can not be measured but economically measurable economic value of human life have relevance to the life insurance. The most concerned with economic value that is the man himself, wife / husband and children or relatives. The economic value of the life of a head of the family (The Breadwinner) is equal to the capacity of its income. If the economic value of the life of a head of the family is lost or reduced, then the relatives or are directly concerned will suffer losses.
How important is life insurance? Does everyone need life insurance? The answer is: YES !. In human life, the risk factor is something that must happen. Starting from the risk of losing assets or property, the risk of illness, total disability until the risk of loss of life or death. The cause could be natural (due to illness) or because of accidents and ironically we never know when the risk will occur. However, people still can perform risk management, namely by transferring the risk to another party (in this case the insurance company) is one way.
During this paradigm in public about insurance, is still synonymous with misfortune such as an accident, death, and so on. In fact, insurance is the protection of the economic value of a person. The economic value of the life of a head of the family (the breadwinner) is equal to the capacity of its income. If the economic value of the life of a head of the family is lost or reduced, then that will directly suffer the loss was to his relatives. Why need to be protected? Since man always face the events that will lead to the following risks:
Insurance is not only saving money but also provide economic security in the event of risk. By having life insurance means that your social status can already protected and financial well planned. And soon you will not experience the economic slump.
High inflation rates today are also aware that the value of money that a person owned at this time will decrease in the future. By having a financial planning in the future, one can still have a sufficient investment to make a living in the future, like:
Dependent Living Expense [Cost of Living dependents],
Ensuring that your family have enough money if you died suddenly. Or, your family get protection when you are having a total permanent disability due to illness suffered by you so that you can not work as usual.
Of course, we never expected this catastrophe. Even if that happens, when you already protect themselves with life insurance products, as the family of the beneficiary will get valuable protection against the risk of unexpected things in the form of the sum insured.
Ensuring that your family can maintain the standard of quality of life when you died. Without the protection of life insurance, the incident resulted in the lost source of family income so that your next family living standards decline.
Unexpected conditions and the negative impact can be eliminated if you already have a life insurance policy. The insurance policy you have will provide financial compensation in the form of the sum insured and other insurance benefits for your family as heir. Of course, they get the compensation according to the insurance plan you purchase.
Finance the education of your children. Currently, the educational needs from time to time increased significantly. There are many parents who mess around with the costs of schooling for their children who want to go into elementary, junior high, high school, or college.
When you have to include your children in the beloved Education Insurance policy, or your insurance policy already covers planning needs education expenses for children, heavy burden on your shoulders the costs of education they could be resolved.
When you pay a premium, supposing you to fill your need one by one for the future needs of your children. By the time they enter school age in accordance with the policy, the sum insured will be out or be withdrawn. Funds from this insurance money will really help you when kids enter further education.
Meet your needs in the old days or the availability of superannuation. By the time you are still included in the productive age, you can earn a maximum, and it was in accordance with the contribution you make.
Over time, your age continues to grow, and to the point you are going to retire. At that moment, the premium you pay for the purposes of old age will help you to meet diverse needs. You still receive sufficient funds for your needs from month to month.
Make sure that you get an extra income when you are facing a serious illness or fatal accidents. In reality, no one would have imagined that things are fatal, such as accidents or illness is prolonged.
If that happens, and you're protecting the life insurance, you can get protection against various risks occurrence of unexpected things. In all the circumstances that you experience, you hold an insurance policy can produce benefits of protection so that you get sufficient funds during treatment. Death, misfortune, can never be predicted arrival.
The anticipation, you and your family need to obtain protection through life insurance. The premiums you pay can reduce the burden on you and those you love when the incident / unexpected misfortune happens to you and your family in the future.
Soul Insurance is essentially a transfer of risk (Risk Shifting) for monetary damages (Financial Loss) by the insured to the insurer (This provision applies to non-Islamic insurance). Risks are transferred to the insurer is not risk the loss of one's soul, but losses as a result of loss of life or because of age old and no longer productive.
In the life of Humans, humans have values, including values: social ,, economic and others.
The value of human life in terms of social and religious can not be measured but economically measurable economic value of human life have relevance to the life insurance. The most concerned with economic value that is the man himself, wife / husband and children or relatives. The economic value of the life of a head of the family (The Breadwinner) is equal to the capacity of its income. If the economic value of the life of a head of the family is lost or reduced, then the relatives or are directly concerned will suffer losses.
How important is life insurance? Does everyone need life insurance? The answer is: YES !. In human life, the risk factor is something that must happen. Starting from the risk of losing assets or property, the risk of illness, total disability until the risk of loss of life or death. The cause could be natural (due to illness) or because of accidents and ironically we never know when the risk will occur. However, people still can perform risk management, namely by transferring the risk to another party (in this case the insurance company) is one way.
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| Safe ur Life, Safe ur Family |
During this paradigm in public about insurance, is still synonymous with misfortune such as an accident, death, and so on. In fact, insurance is the protection of the economic value of a person. The economic value of the life of a head of the family (the breadwinner) is equal to the capacity of its income. If the economic value of the life of a head of the family is lost or reduced, then that will directly suffer the loss was to his relatives. Why need to be protected? Since man always face the events that will lead to the following risks:
- Passed away (death)
- Either Natural (natural death) and
- Died at a young age due to sickness,
- Accident (accidental death) and so forth.
- Disability (disability) due to illness or accident.
- The loss or decline in health status (Loss of Health)
- Critical Illness
- Old / Retirement
- Unemployment (Unemployment)
- Education
Insurance is not only saving money but also provide economic security in the event of risk. By having life insurance means that your social status can already protected and financial well planned. And soon you will not experience the economic slump.
High inflation rates today are also aware that the value of money that a person owned at this time will decrease in the future. By having a financial planning in the future, one can still have a sufficient investment to make a living in the future, like:
Dependent Living Expense [Cost of Living dependents],
- the Education Fund [Cost of Education],
- Retirement Income [Income Retirement],
- Mortgage repayment Fund [Dana Refund Guarantee Debt / Mortgage],
- Emergencies Fund [Emergency Fund],
- Disability Income [Income When Disabilities] ,
- Health Insurance [Health Insurance], and
- Investment [Investment]
So, what are the benefits that we can get to have a life insurance ?
Ensuring that your family have enough money if you died suddenly. Or, your family get protection when you are having a total permanent disability due to illness suffered by you so that you can not work as usual.
Of course, we never expected this catastrophe. Even if that happens, when you already protect themselves with life insurance products, as the family of the beneficiary will get valuable protection against the risk of unexpected things in the form of the sum insured.
Ensuring that your family can maintain the standard of quality of life when you died. Without the protection of life insurance, the incident resulted in the lost source of family income so that your next family living standards decline.
Unexpected conditions and the negative impact can be eliminated if you already have a life insurance policy. The insurance policy you have will provide financial compensation in the form of the sum insured and other insurance benefits for your family as heir. Of course, they get the compensation according to the insurance plan you purchase.
Finance the education of your children. Currently, the educational needs from time to time increased significantly. There are many parents who mess around with the costs of schooling for their children who want to go into elementary, junior high, high school, or college.
When you have to include your children in the beloved Education Insurance policy, or your insurance policy already covers planning needs education expenses for children, heavy burden on your shoulders the costs of education they could be resolved.
When you pay a premium, supposing you to fill your need one by one for the future needs of your children. By the time they enter school age in accordance with the policy, the sum insured will be out or be withdrawn. Funds from this insurance money will really help you when kids enter further education.
Meet your needs in the old days or the availability of superannuation. By the time you are still included in the productive age, you can earn a maximum, and it was in accordance with the contribution you make.
Over time, your age continues to grow, and to the point you are going to retire. At that moment, the premium you pay for the purposes of old age will help you to meet diverse needs. You still receive sufficient funds for your needs from month to month.
Make sure that you get an extra income when you are facing a serious illness or fatal accidents. In reality, no one would have imagined that things are fatal, such as accidents or illness is prolonged.
If that happens, and you're protecting the life insurance, you can get protection against various risks occurrence of unexpected things. In all the circumstances that you experience, you hold an insurance policy can produce benefits of protection so that you get sufficient funds during treatment. Death, misfortune, can never be predicted arrival.
The anticipation, you and your family need to obtain protection through life insurance. The premiums you pay can reduce the burden on you and those you love when the incident / unexpected misfortune happens to you and your family in the future.
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