May 18

Comparing The Life Insurance

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Life Insurance

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There are many insurance companies in Indonesia. But which is the best insurance company? Which program best life insurance? People need to compare more than 2 insurance product from the insurance company. Well, rather than confused by the ever-changing recommendations, let’s look at the facts alone. AsuransiKita in the month of May 2011 managed to get a life insurance policy proposals of the three major insurance companies in Indonesia, namely the insurance company is Prudential, AXA and Allianz. 3 This is why we choose? Because they entered the company in the list of Forbes Global 2000 and Fortune 500 as one of the largest public companies in the world.

The data we use are all the same. Male, age 29 years, did not smoke with a monthly insurance premium 500 thousand dollars. Well, below is a summary table of all the proposals we receive an insurance policy, whether by the AXA, Allianz or Prudential.

A Insurance
B Insurance
C insurance

Critical disease/maximum age
150 million rupiahs/70
375 million rupiahs/70
350 million rupiahs/65

Disaster/maximum age
100 million/60
375 million/65
350 million/65

Disability/maximum age
200 million */60
375 million/65
350 million/60

Died/maximum age
200 million */99
375 million/100
350 million/99

Critical disease which certified
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49
50 Read the rest of this entry »

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May 17

Security Needs For People’s Life

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Insurance News

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According to Law No. 2 In 1992, the meaning of Insurance is an agreement between two or more parties, with which the insurer committed themselves to the insured, by accepting insurance premiums to provide reimbursement to the insured for loss, damage or loss of expected benefits, or legal liability to a third party which may be suffered by the insured, arising out of an uncertain event, or to provide a payment based on death or life of an insured person.

In order for a potential loss (which may occur) can be covered by insurance (insurable) then it should have the following characteristics: 1) the occurrence of loss of uncertainty, 2) the loss must be limited, 3) the loss must be significant, 4) the ratio of losses can be predicted and 5) loss is not catastrophic (disaster) for the insurer. Security needs to filled by the Life Insurance Personal Needs, including: the provision of living expenses such as final costs associated with death, the cost of bill payments in the form of loans or loan must be repaid; family allowance, costs of education and pensions. In addition, a life insurance policy with cash value can be used as a savings and investment.

Business Needs, such as: insurance on key persons (insurance for the important people in the company); on business owners insurance (insurance for business owners); employee benefits (employee benefits) for example, health insurance and collection.

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May 16

Insurance For Life

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Life Insurance

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Life and health insurance is needed by people nowadays. Many of them protect our life and health. People need to read some suggestion below before choose which insurance they would buy.

* Determine what are the benefits of protection we need

* Find information insurance products to suit our needs by collecting brochures from different companies or websites to find information on insurance companies

* Ask the agent in more detail about these products until the detailed calculation of the overall allocation of funds that we pay for anything

* Do not believe what insurance agents say, because they are not necessarily fully understand the products they offer.

* Ask for illustration printed created for the benefit of insurance products, premiums to be paid and the allocation of the premium paid to anywhere.

* Learn the content of the illustrations in the house with a relaxed and thoroughly, do not rush to conclusions, ask a better idea if there is not yet clear

* Compare products from various insurance companies, which provide the greatest benefit with the cheapest premiums, but find out the company info is bona fide or not.

* Do not just based on the best insurance award from a magazine, but you really need to know how the calculation of the cost of insurance.

* After determining and deciding to buy an insurance product we have to study the contents policy, usually 14 days given the customer the opportunity to cancel the policy.

One more suggestion “Do not buy Life Insurance and Health Unit Link associated with the investment”. Believe cut unit-linked products is very expensive, you better take a pure life and health insurance and invest the money into mutual funds separately.

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May 15

History Of The Insurance

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Insurance News

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Insurance originated from the Babylonian 4000-3000 BC Hammurabi is known for its agreement. Then in 1668 AD at Coffee House Lloyd’s of London stands as a forerunner to conventional insurance. Sources of insurance law is positive law, natural law and the existing examples as culture.

Insurance brings economic as well as social mission with the premiums paid to insurance companies to guarantee the transfer of risk, namely to transfer risk of the insured to the insurer. Insurance as a risk transfer mechanism in which an individual or a business moving some uncertainty in exchange for premium payments. Definition of risk here is the uncertainty occurs whether or not a loss (the uncertainty of loss). people need to be guaranteed in their life because life is risky with unexpected something, like accident. Since people could not predict the future, they need to be guaranteed as soon as possible.

Insurance in Indonesia started in the Dutch colonial period, associated with the success of domestic companies in the plantation sector and trade in Indonesia. To meet the security needs of business sustainability, insurance is required. Insurance become their need so they need minimize risky things in their life. The development of insurance industry in Indonesia had a vacuum during the Japanese colonial period. But it is being started again until now.

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May 14

Explanation About Insurance

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Insurance News

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Life is full of unexpected risks or unexpected, that’s why we need to understand about insurance. Some natural events that occurred in recent years and takes a lot of casualties, both fatalities and property, such as reminding us of the need for insurance. For every member of society including the business world, the risk for experiencing misfortune (misfortune) are always there (Kamaluddin: 2003). In order to overcome the losses incurred, humans developed the mechanism which we now know as insurance.

The main function of insurance is a mechanism to transfer risk (risk transfer mechanism), which transfer risk from one party (the insured) to another party (the insurer). Risk transfer is by no means eliminates the possibility of misfortune, but the insurer to provide financial security (financial security) and tranquility (peace of mind) to the insured. In return, the insured pays the premium in a very small number when compared with the potential losses that may be suffered (Morton: 1999).

Basically, an insurance policy is a contract that is a valid agreement between the insurer (in this case the insurance company) by the insured, where the insurer is willing to bear a loss which may arise in the future in return for payment (premium) certain of the insured.

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