I've listened to the opinion of some people about life. Some say: "Life is God's business. Insuring our souls means precedes the will of God. "
The fact is, indeed, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they own.
So, not surprisingly, the majority of vehicle owners to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian people who consciously protect themselves with the economic value of life insurance.
Actually, life insurance not to protect our souls. But rather to protect the economic value of ourselves. For example, if today we are able to provide 5 million rupiah per month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with five million rupiah expenditures could be maintained, 'even if' something happens that causes us no longer able to generate money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of our car or home is protected, why do we not protect the economic value ourselves? Does your car or home is more precious than ourselves?
If our employees, try to check whether the companies in which we work has been providing life insurance for us. The companies usually provide a good life insurance for his employees. But there are two things we need to do:
First, ask your HR department, whether the insurance provided is only valid as long as we worked at the company, or it could proceed alone if we stop working.
In general, if employees resign or retire, so his life insurance will be automatically disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to work on as a professional.
However, it must be considered also, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has been providing life insurance that we can manage themselves (you can take them away and continued his own), then maybe it's time to do financial planning or school fees of children in the future.
Indeed there are people who prefer to save every month in the bank, and not taken-grab. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.
Apart from that, education has the advantage of insurance protection side, which is not owned by an education savings.
The principle is: if there is 'something' to ourselves, our children will still get the education funding guarantee in accordance with what we have planned.
Although we are not interested in buying an insurance policy, we need not hesitate to consult with insurance agents. There is no harm if we understand the mechanism of financial planning model.
At least, we can compare them with financial planning strategies that currently we are running. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plans. This means that we can get a free consultation about our financial planning. Not bad right?
Currently many insurance combined with investment. So, you will get the benefit of protection, while viewing the portion of the money you pay as a savings or investment that continues to grow and develop.
The fact is, indeed, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they own.
So, not surprisingly, the majority of vehicle owners to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian people who consciously protect themselves with the economic value of life insurance.
Actually, life insurance not to protect our souls. But rather to protect the economic value of ourselves. For example, if today we are able to provide 5 million rupiah per month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with five million rupiah expenditures could be maintained, 'even if' something happens that causes us no longer able to generate money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of our car or home is protected, why do we not protect the economic value ourselves? Does your car or home is more precious than ourselves?
If our employees, try to check whether the companies in which we work has been providing life insurance for us. The companies usually provide a good life insurance for his employees. But there are two things we need to do:
First, ask your HR department, whether the insurance provided is only valid as long as we worked at the company, or it could proceed alone if we stop working.
In general, if employees resign or retire, so his life insurance will be automatically disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to work on as a professional.
However, it must be considered also, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has been providing life insurance that we can manage themselves (you can take them away and continued his own), then maybe it's time to do financial planning or school fees of children in the future.
Indeed there are people who prefer to save every month in the bank, and not taken-grab. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.
Apart from that, education has the advantage of insurance protection side, which is not owned by an education savings.
The principle is: if there is 'something' to ourselves, our children will still get the education funding guarantee in accordance with what we have planned.
Although we are not interested in buying an insurance policy, we need not hesitate to consult with insurance agents. There is no harm if we understand the mechanism of financial planning model.
At least, we can compare them with financial planning strategies that currently we are running. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plans. This means that we can get a free consultation about our financial planning. Not bad right?
Currently many insurance combined with investment. So, you will get the benefit of protection, while viewing the portion of the money you pay as a savings or investment that continues to grow and develop.
Agreed. Life insurance is just to make financial arrangements for the future in case something bad happens and one is not in a position to manage all the expenses, life insurance will solve the problem. No one can predict future and even cannot change it, by having an insurance we are just making savings for those unexpected times.
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