Should I Have To Take That Insurance?

The prime is still very young I think it is very appropriate to take the insurance, because the higher we age the higher the risk of our lives, and the higher age of someone akan increasingly reduced savings (cost of delay). Currently insurance companies are very many, so must be in accordance with the needs and flesibilitas given from the insurance company is. Currently the company offers a product you Assuransi link unit is very useful, because in addition to any protection given to its customers also have investment value given (2 to get the benefits at a time).


It is also important in terms of the views given the ease of insurance companies, the
such as: How do flexible payment, investment funds can be added or drawn at any time as needed, flexible payment methods and you can do on-line where it is located so that customers can claim the customers or check balance wherever he is.
Knowing in advance who is to manage client funds is also important (already experienced brpa old) because it can affect investment value.


One way for financial risk management risk is through insurance. So here could be that insurance is a financial tool in a financial plan on the financial risk.

So if you buy insurance products without the financial plan can be said useless (will not be effective).

You are still young, when prepared from the beginning / early insurance products will be very efective especially for insurance products you are preminya effect based on age.

1. Design your own financial plan / discussion dg friend / contact a professional financial planner.
2. find out what insurance program has been prepared by the company you both regulation (liability company) and the initiatives the company itself (you should be grateful, be a company he he he).
3. what's covered? what's not covered?
4. May be confused when a friend / yahoo / professional insurance consultant.

Tips:
1. Maximize the purchase of insurance products do when a claim occurs, you / your family do not directly receive the benefits ke3.
2. Buy products without the assumption of investment because the negative is when insurance companies go bankrupt you will lose both at once (n investment protection) at the same time than when I do a high premium. Where your premium is allocated? Carefully, considering the regulation of insurance industry still has not 'matured' in Indonesia.
3. Be careful with the effect 'inflation' on the value (insurance) insurance you.
4. Make sure that insurance companies receive premiums you already 'properly'. Premium is the 'water of life' for Policy (insurance products). (If diselewengkan by the ke3 can be, your policy so cuman Wall Paper)
5. Remember, financial planner / insurance consultant you can not protect you from risiko2 yg akan your face.

Hopefully helpful, GBU

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