How to create income for your family's protection ? ? ?
Around us , there is a lot of families to be troubled , one main cause is financially ! Life becomes less ischarge even uncomfortable . It is very possible because some of the things below , which was originally expected / want / dream never came true , such as :
- A dream house cannot be held
- Dream car yet can also be purchased
- Cost for the school children are still not guaranteed
- When the holidays are almost never able to be enjoyed
- Medical expenses other budgets Fund for retirement is unthinkable
- This bill - it is endless
- And other unexpected expenses
So.. , the things mentioned above that are the cause families to be problematic , because the financial circumstances were not good !
Money is not everything , but everything is almost certainly need the money
Planning is not everything , but everything needs planning . Through life , if without good financial planning , can certainly not be comfortable ! ? Either live alone , establish partner would also foster a family , of a good finances needed . For that , we must have a good financial planning , and early ..
EXAMPLE The following is someone who early on was " protecting his income " , as follow :
Insured Name : Mr. X
Insured Age : 25 years
Insured Gender : Male
Policyholder : Mr. X
Relationship with the Insured : Self
Sum Assured : Rp 100.000.000 , -
Premium Payment Period : five years
Period of Insurance : 50 year ( s / d age 75 years )
BENEFITS PROTECTION :
If the insured dies before reaching the age of 65 years , will be paid 200 % of Sum Assured ( Rp 200000000.0 ) and Heirs will receive 5 % of Sum Assured ( Rp 5.000.000 , - ) end of each year starting from next year 's policy / d end of the Period of Insurance . Furthermore , the coverage ends . If the insured dies since reaching the age of 65 years and before the end of the Period of Insurance , will be paid 100 % of Sum Assured ( Rp 100.000.000 , - ) and the Heirs will receive 5 % of Sum Assured ( Rp 5.000.000 , - ) end of each year starting Polis of next year s / d end of Period of Insurance . Furthermore , the coverage ends .
THE END OF INSURANCE BENEFITS :
If the insured lives at the end of the Period of Insurance ( age 75 years ) , will be given more benefit of 100 % of Sum Insured ( Rp 100.000.000 , - ) . Furthermore , the coverage ends .
LIVING BENEFITS :
Every 2 years , the insured will receive funding for : 5% of the sum assured at the end of Polis 3rd = Rp 5.000.000 , - 75% of the sum assured at the end of the 5th policy year = Rp 75.000.000 , -
A year after the premium payment period ends , the insured will receive the benefit by 5 % of Sum Assured ( Rp 5.000.000 , - ) each year s / d insured reaches the age of 64 years , since the insured lives . If the life insured reaches the age of 65 years , will receive a benefit of 50 % of Sum Assured . 5% of the sum assured will still be given each year end umu policy if the insured reaches 66 years s / d age of 74 years , since the
insured lives . If the insured lives in the Period of Insurance ( age 75 years ) , will be given more benefit of 100 % of Sum Assured ( Rp 100.000.000 , - ) . Furthermore , the coverage ends .
Monthly premium : Rp 3,045,060 , -
Premium Quarterly : Rp 8,966,010 , -
Premiums Semester : Rp 17593.680 -