No one can knows the future , but anyone can design their future well !
Similarly, in the financial planning for your future .Planning is not everything , but everything needs planning ... Money is not everything , but almost everything needs money ...
At the time of retirement , of course we need money , at least for the necessities of life ! Indeed , every person would like to enjoy his retirement ...
But in reality , a lot of people around us in the retirement age , still have to work hard to earn a living .
For civil servants , will generally receive a government pension funds which are relatively small . As for the private sector employees , may receive a " quota retirement money " from their child ? ! This might happens , because they do not plan early retirement fund ... Read the following : PRICE OF A DELAY ...
Is such circumstances do we want? ? ? If not , then we have to design a pension fund it properly
EXAMPLE The following is a person who has been designing since the early " Pension Fund " for old age , as follow :
Insured Name : Mr. X
Insured Age : 25 years
Insured Gender : Male
Sum Assured : Rp 250.000.000 , -
Pension Fund : payable at age 55 years
Premium Payment Period : 5 years
Period of Insurance : s / d age of 100 years
Non- premium policy period : 70 years
SPECIAL BENEFITS :
At the policy anniversary nearest the insured 's birthday is to 55 , the Pension Fund will be paid at 100 % of Sum Assured ( Rp 250.000.000 , - ) .
If the insured lives at the end of the Period of Insurance , will receive a benefit equal to 100 % of Sum Assured ( Rp 250.000.000 , - ) , plus the benefits of Terminal Maturity Bonus of 100 % of Sum Assured ( Rp 250.000.000 , - ) .
BENEFITS PROTECTION :
If the insured dies before the policy money year anniversary nearest the Insured's 55th , will be paid 200 % of Sum Assured ( Rp 500,000,000 , - ) and then the coverage ends . If the insured dies on or after the policy anniversary nearest the insured 's birthday is to 55 , will be paid 100 % of Sum Assured ( Rp
250.000.000 , - ) and then the coverage ends .
Monthly premium : Rp 1,340,325 , -
Premium Quarterly : Rp 3,946,513 , -
Premiums Semester : Rp 7,744,100 , -
Annual premium : Rp 14,892,500 , -