Choosing Life Insurance

Whether you're looking for Life Insurance? ... Or upset because of something or another on Life Insurance before or upon his agent? or else there's more.

But this besama I congratulate because you have entered into a phase wise in managing this short life. Well ..karena we understand what the meaning of a risk and we want to join the same group together to understand and accept the risk that we give (risk management)

Below are instructions that can be used as guidelines for choosing the life insurance that will accompany us for life .....

A. Products

    Usually, insurance companies offer more than one product, therefore choose according to their needs, abilities and your financial goals. What risks are you most concerned about the insured. For example, the cost of children's education, retirement or warranty that may be critical illness can occur.
    Calculate benefits with the terms and conditions of the product, and note the price premium offered. Make sure you read things that are excluded to protect the Insurer. So that in the future there is no misunderstanding that lead to disappointment.
    At the time of studying the proposals or offers, consider the benefits offered, especially the comparison of assumptions that are offered with the current conditions and the Company's ability to fulfill its promises


B. Identity Insurance Company

    Clear Name Insurance Company, location / position where the head office or branch, and is affiliated with any company.
    Generally it is the company more than two centuries, thus experiencing various times so we know the commitment and integrity of Insurers.
    What is certain indeed is a foreign company that has a proven history.


C. Financial Insurance Company Capabilities

    Life insurance is a long-term agreement, therefore choose an insurance company that is not problematic in terms of financial management. Look at the financial reports in newspapers, magazines or other media, view ratings or the ratings
    Note RBC (Risk-based Capital) it, whether it is in accordance with the government that at least 120%
    See also the amount of the insurance company's capital
    Monitor the development and management of performance or whether problematic or not.


D. Advice and Services

    For some people, insurance is a product that is complicated and difficult to understand, therefore, ask your agent to explain the details of the product to assist you in taking the right decision
    Make sure you get a good service if the policy has been obtained
    Look for a licensed agent since been tested Academic.
    another search is committed to give you that according to the needs and abilities not due to the target premium. (Chase deposit) Smiley

Still undecided is also ... oh .. do not worry .. it is not a problem because I think you are critical. But alright I will give this comparison that there can ask the shop next door.

Comparison

    Age entered by: LAST BIRTHDAY, in many insurance companies count forward or our anniversary next year.
    THERE IS NO DIFFERENCE FOR SMOKERS AND NON SMOKER, Many insurance companies calculate smokers as people who are at great risk so that the premiums are given more EXPENSIVE.
    Protection of critical illness / DD: until the age of 75 years, usually only up to 65 years if want plus there should be an additional premium or MORE EXPENSIVE as more and more susceptible to renta-DD.
    Benefits Hospital / HS: 150 days / year and protected until the age of 75 years, Well that is usually only 4 months or 120 days. Even if there are up to 180 days but only up to the age of 65 years or be conditional so that premiums become more expensive ranging from 0-65 years. but if we can hold up to 150 days in the hospital. Certainly not the most just 14-30 days. Moreover biasanay already critical illness. The most important point is that the long period of the coverage.
    Applies worldwide, including: AMERICA, CANADA, and Japan, Well if that is almost arbitrarily insurance companies do not dare because the premiums would be very expensive. Unless the company is very strong once the network is there and very strong financial. Premium in Japan is very expensive once besides frequent earthquakes as well up to now concerns radioactive former World War 2 still attached. But more than 90% of people there have insurance.

    Powered by Global Assistance & Healthcare: Int'l aid including FREE evacuation. Very useful when you are away from the reach hospitals or residing abroad who for some reason need medical assistance. Benefits up to $ 500,000, - if his health insurance policy to be approved.

    Cost Doctor, Surgery, Medicine: replaced according to the bill according to the budget plan in the capture. Well usually the cost of health insurance has been in the city-boxed, but the search is not grouped so as not to be a limitation even if you take the package A.
    Surgery return day / Day Surgery: Replaced according to the budget plan in the capture. Generally 2 days just about to be replaced dah advanced age sometimes surgery just one day only.
    Additional benefits resulting from accidents, others no tuh
    Cash Plan is given 365 days / year with a value of $ 100 / Unit
    Enhanced Payor Waiver of Premium: saving children will be continued until the 65-year-old policy holder in case of death / total permanent disability / critical illness.
    Investment allocation of 100% has been started in the year to the fourth, fifth year biasanay making investment less bite for those who take the unit link

How is obvious or even grow confused, turned out I was quite capable of making you confused.

However arbitrarily back to you, from the attempt to better take advantage of my own trial and error so you do not have to waste efort, money and time.

Well for those of you who've never understood all this because once had insurance, but not as complete as it is no good thinking wisely used. Because there will always be an ace in times of need.