Friday, 24 July 2009

These insurance products are very diverse. Agent which is very aggressive to the community also offers the benefits of incentive-benefits of the product from their company. Many options. For you who are used to a policy holder does not necessarily have difficulties to choose products which suit their needs.

But for your first time buying a life insurance policy, may be quite difficult when presented on the various products offered by life insurance agents from various insurance companies. Here are more tips to make it easy when you choose the life insurance policy.

The professional marketers known smart and enthusiastically serve the community, can be found easily in order to obtain clarification about choosing life insurance policy is effective. Usually there are a few tips that can be used as a beacon as the beacon-following.

1. Determine Needs Available

Life insurance needs can be said now is a basic fact families already nascent awareness, have a life insurance policy that is absolutely for the modern family. Because the size of the economic risk that at times can occur without the suspected finally may be diverted through the life insurance policy.

If you are still single, the needs of life insurance is the most urgent that the element of protection and health care cost savings. Life insurance policy that combines insurance and health savings accounts or saving selected precisely by those who are still single. Because the elements of cost savings and health insurance, the premiums you pay to the company's life insurance higher than for example you have a policy that is both a savings account or health care insurance only.

When you pair families with young children are still under five years old, the family is obliged to take your insurance policy in education. With insurance policy education, the cost pendidikarn children in days guaranteed kelancarannya more. The future of the children who are bright can be determined much earlier, because the funding for education to higher education already planned and guaranteed since the children are five.

Meanwhile, if you are already approaching the age of fifty-yearly and children are great, and even may have finished college or have already married and working, life insurance needs with the appropriate age is your life insurance policy that has a high value investment. Life insurance policy that guarantees funding old age is the right choice for the needs of the age pension.

If you have excess funds and things like that quite speculative, you can buy a life insurance policy unit-link. This policy combines elements of investment instruments with mutual funds. Here, you simply must understand the development of capital markets business, mutual funds and macroeconomic fluctuations as well as micro level in order to successfully obtain a high profit investment. Funds in the policy unit of the link can be added or reduced according to the needs and economic development.

Conversely, if you do not like things that are speculative, never buy a unit-linked policies. Especially if you are not interested to follow the development of the stock market, and mutual funds that are fluktuaktif. For you are not happy to speculate and certainly more income like, please take anuitas policy with a very competitive pengahasilan of bank deposit interest. This month you buy the policy anuitas, the month before you have direct menikmari fixed income for life. Even fixed income can be bequeathed to the spouse or child who has not aged in twenty five years. Policy anuitas sold with a single premium at the same time, for example, at least Rp 100 million.

2. Determine the ability Finance Available

After you specify the type of life insurance needs are most urgent to have, then that should be adjusted and is your financial capability. Buy a life insurance policy means that the financial budget should be allocated.

You can have a policy to pay the annual insurance premium all at once or in full. This depends on the availability of funds or budget. If you have more reserve funds and does not clearly peruntukannya, rather than just stored in the form of savings or deposits at the bank, is more appropriate to your mengalihkannya life insurance companies in the form of single premium policies.

Size of the premium, other than specified by the financial capacity, are also affected by the contract, the type of insurance factors and age you. Your smoking habit or not, health conditions and sometimes also the size of life insurance companies to set premium rates.

3. Define Insurance Company Safe and Trusted

Now this many life insurance companies in operation. And the only life insurance companies is only part of the only truly reliable. You should be careful not to choose the cause inconvenience or disappointment in the future. Reliability of a company's life insurance can be suspected, for example, how long has life insurance companies are operating, how knowledgeable network operations, how reputation. May also be seen who the shareholders company life insurance, and may belong to the government, the private national or foreign private sector.

Posted by Posted by roomen insurance at 21:14
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