tag:blogger.com,1999:blog-42239043016108952232024-02-20T18:08:20.057-08:00insurance updatethis blog is all about insuranceyoung ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-4223904301610895223.post-8581601413396087662013-11-28T06:07:00.005-08:002013-11-28T06:07:50.449-08:00Insurance Can Be Alternatives For Management Disaster <div style="text-align: justify;">
<span class="mceItemHidden">The use of insurance as a step to anticipate
the magnitude of the losses is very possible disaster. This is because
the basic principle of insurance as the transferee of the risk borne.
Reconciliation and Reconstruction Deputy National Disaster </span></div>
<a name='more'></a>Management
Agency (BNPB) Sulistianto Bambang said to anticipate and deal with a
disaster, it takes the transfer of risk is contextual.
"The government is expected to help people pay premiums. Clearly that
should be developed is a self-supporting community resilience in the
face of disaster," Bambang said when met on Wednesday (27/11).
Society, he added, should develop what is of first order around and
himself during a disaster preparedness already exists for something to
replace the missing. One was the readiness to transfer risk.
He said there have been examples of cooperatives that allocate part of
the funds of Business (SHU) to fund its disaster preparations. It is
very positive that the resilience and self-reliance can be realized. In
addition of course to avoid greater losses.<br />
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<span class="mceItemHidden"> BNPB've ever tried to apply for disaster insurance benefits to the
government, in this case through the Ministry of Finance (MoF).
For his part, Bambang, had been preparing a policy with a sum amounting
to Rp10 trillion with an annual premium of Rp500 billion. But it is
still awaiting approval of Ministry of Finance.
According to Bambang, paying a premium of 500 billion per year is likely
to prevent the potential for greater losses. He cited the earthquake in
West Sumatra in the treatment of post need a fund of Rp 6, 4 trillion.
"If it is approved then it should not bother because it will be
constructed to build insurance. Already measurable amount needs," he
said.
He said people must survive by finding new sources of funding so that
life can continue. For example, by running a productive economic
approach. However, such assistance should be evaluated whether it is in
conformity with the provision of the type of productive economic
characteristics of the community and the region. </span></div>
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<br /></div>
<div style="text-align: justify;">
<span class="mceItemHidden"> "Look West Sumatra experience., Where given improper productive economy.
Society was given 10 chickens," he continued.
Later evaluated whether or not the number of chickens that are given are
in accordance with the culture and customs that were there or it is not
giving proper chicken.
Merapi disaster losses amounted to Rp 3.1 trillion. While it needs reach
Rp1, 1 billion.
Funds are already down 500 m. Once in the actual evaluation takes only
Rp 900 billion. A total of Rp 500 billion is allocated from the central
government. Local governments (LGs) and there are also private. Revision
of the amount of funds needed is due to an inaccurate calculation of
the filing.
Assistant Country Director of UNDP Krisnanto Sinandang said disaster
management is very important given Indonesia's geographic location and
conditions that are prone to disasters. All parties must continue to
support disaster management paradigm change, not reactive but
preventive.
"It is directed into effect other Ministry strategic plan," said
Krisnanto.
The role of the Regional Disaster Management Agency (BPBD) is still not
optimal because of the Act (the Act), its existence is still considered
loose. BPBDs formation in the province is mandatory. While the district
is still optional or preferred. </span></div>
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<div style="text-align: justify;">
<span class="mceItemHidden"> "The Ministry of Home Affairs (MOHA) should also continue to encourage
each region to form this team (BPBDs). Satkorlak used to be called new,
when there is no disaster," said Krisnanto.
Governments are also required to do a variety of studies such as hazard
and risk assessment. Then at the provincial level planning is done based
on the results of earlier studies.
Asked about the possibility of the use of insurance, Krisnanto say it is
highly dependent on the readiness of the government.
He said that important now is how the community driven capable of
eliminating and managing disaster risks.</span></div>
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<br /></div>
<div style="text-align: justify;">
<span class="mceItemHidden"> "We cannot comment on that, he
said.
On this occasion, BNPB launched index or Disaster Recovery Disaster
Recovery Index (DRI). This index measures the growth in the recovery of
communities affected by the eruption of Mount Merapi in 2010 and a flood
of lava in 2011.
Deputy Reconciliation and Reconstruction BNPB said Bambang Sulistianto
This index uses as many as 22 variables to see how the recovery process
in the community, including restoration of infrastructure, housing,
livelihood and social structure.
Assistant Country Director, UNDP said the index Krisnanto Sinandang
provide a tool to measure what has been done.
Recovery and reconstruction process can not use the measurement time
because this process can not be limited and kept going because it is not
just the looks on the surface.</span></div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-75483451613526993842013-11-09T08:57:00.000-08:002013-11-09T17:51:54.063-08:00Tips for Choosing a Good and Safe Insurance<div style="text-align: justify;">
People now began to be careful withdetermining the type of investment insurance isno exception . It was in response to the rise ofinvestment bulgings . Even later last insurance productsalso assessed the full risk due to possible claims couldnot be cashed . The case against one of the famousmusician Ahmad Dhani boy named Abdul Qadir Jilani (AQJ ) aka Dul .<br />
So , what is the things need to be does / did by the investor or buyer of insurance beforechoosing insurance products are good and safe ?<br />
Chairman of the Indonesian Life Insurance Association (AAJI ) Hendrisman Rahim tried to give a view . "Basically everything is actually a good insurancecompany , but it must be careful before buying , " saidwhen met at his office Hendrisman The Plaza Office Tower , Jakarta , Friday ( 27/09/2013 ) . </div>
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He explainedthat , the first thing to do is asking the buyer policy indetail to the dealer what rights and obligations betweenthe seller and the buyer . "<br />
The problem is at the time ofpurchasing the policy should be to ask the first agentfirst , what our rights as a buyer and seller liability , " hesaid .
After that , ask again what is the things that canbe covered with the insurance . " Asks / Askedwill be able to cover anything ? What ourobligation , liability insurance companies , the claimsdoes / did not gets / got paid if anything so clear that atthe time of the claim not confused , " he said .<br />
In addition , choose a product or an insurance companythat has been secured and trusted . " Every year there isno insurance company involved - award award was awar- award that has it so relatively well although it does notwarrant that this awards / awarded , " he said .<br />
However, according to him , if an insurance company has daredto sell its products , it means that the company is readyto pay insurance claims . " I personally that all insurancecompanies that dare to sell means already committed .Si buyer should know , he should be asked for the bitterend to his agent , it also does not automatically eliminatethe dispute , " he explained . </div>
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He added that the case ofunpaid claims is due to the possibility of satinyarequirements between the buyers and sellers ofinsurance are not met .<br />
For example , the intentionalfactor to an accident and the like while a reference is a direct reference)">refer to the policy . Was intentional accidents could be a factor . But maybe it's still in the process is not necessarily reject the claim , " he said .
Performance of Life Insurance
Indonesian Life Insurance Association ( AAJI ) recorded a total revenue of the industry is made up of 45 life insurance companies amounted to Rp 71.83 trillion in the second quarter of 2013.<br />
This figure is up 22.85 % over the same period the previous year of Rp 58.46 trillion .
Of the total income , premium income is still the main driver of growth with a contribution of Rp 57.59 trillion or 80.17 % of total revenue . incoming premiums rose 14.48 % over the same period the previous year .
"<br />
What's interesting about this 2013 second quarter performance was a significant increase in national life insurance industry investment reached Rp245.17 trillion, which grew 17.74 % from the same period the previous year , " said Hendrisman . </div>
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He also said investment yield ( yield ) life insurance companies also grew significantly to reach Rp 12.23 trillion, up 78.37 % over the same period the previous year which amounted to Rp 6.85 trillion .<br />
As a result , it encourages the growth of a significant increase in the number of industrial assets to Rp 281.2 trillion, up 37.65 % over the previous year which recorded assets of Rp 204.28 trillion .
" Total assets grew 37.65 % showed strength in the life insurance pays obligations to its customers , " he said .<br />
He also said the number of new premium production in the second quarter of 2013 grew 7.10 % to Rp 37.4 trillion . Of this growth , the premium unit linked back taking a larger portion than the traditional premium of Rp 19.28 trillion ( 51.55 % ) and Rp 18.12 trillion ( 48.45 % ) .<br />
Similarly, premiums continued to grow 31.25 % to Rp 20.18 trillion in the second quarter of 2013, the premium unit this link again dominate with a share of Rp 13.17 trillion ( 65.25 % ) , while the traditional premium Rp 7.01 trillion ( 34.75 % ) .</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-3781940335316252792013-11-09T01:56:00.001-08:002013-11-09T08:35:56.902-08:00Education plan with insurance<div style="text-align: justify;">
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EXAMPLE The following is the parents who provide " security education " for their children : </div>
<div style="text-align: justify;">
Insured Name : Mr. X </div>
<div style="text-align: justify;">
Insured Age : 30 years </div>
<div style="text-align: justify;">
Insured Gender : Male </div>
<div style="text-align: justify;">
Policyholder Name : Children </div>
<div style="text-align: justify;">
Policyholder Age : 1 year </div>
<div style="text-align: justify;">
Relationship with the Insured : Parents </div>
<div style="text-align: justify;">
Sum Assured : Rp 100.000.000 , - </div>
<div style="text-align: justify;">
Premium Payment Period : 6 years </div>
<div style="text-align: justify;">
Insurance Period : 18 years </div>
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<b>BENEFITS PROTECTION : </b><br />
<b><br /></b></div>
<div style="text-align: justify;">
If a claim occurs died in Period of Insurance and the Insured aged 5 years or more , will receive compensation amounting to 100 % of Sum Assured . Furthermore , Polis Polis became free premium . Education funds are not received will still be given according to Table Stages Education Fund . However , given the Education Fund is calculated based on the applicable percentage of the amount of the sum assured is payable at the time of payment of claims .<br />
<br /></div>
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<b>LIVING BENEFITS : </b><br />
<br /></div>
<div style="text-align: justify;">
Education funds will be received in stages in accordance with the Insured's Education Fund Table . </div>
<div style="text-align: justify;">
TABLE STAGE EDUCATION FUND : </div>
<div style="text-align: justify;">
At the policy anniversary 4th awarded 5 % of the Sum Assured : Rp 5.000.000 , - ( child attends Play Group ) </div>
<div style="text-align: justify;">
At the policy anniversary 6th granted 10 % of the Sum Assured : Rp 10.000.000 , - ( children enter elementary school ) </div>
<div style="text-align: justify;">
At the policy anniversary 12th awarded 20 % of the Sum Assured : Rp 20.000.000 , - ( children entered junior high ) </div>
<div style="text-align: justify;">
At the policy anniversary 15th awarded 30 % of the Sum Assured : Rp 30.000.000 , - ( son entered high school ) </div>
<div style="text-align: justify;">
At the policy anniversary 18th awarded 50 % of the Sum Assured : Rp 50.000.000 , - ( children go to university , college years - 1 ) </div>
<div style="text-align: justify;">
On the anniversary of the 19th Polis given 25 % of the Sum Assured : Rp 25.000.000 , - ( son - 2 years college ) </div>
<div style="text-align: justify;">
On the anniversary of the 20th Polis given 25 % of the Sum Assured : Rp 25.000.000 , - ( college kids - 3 years ) </div>
<div style="text-align: justify;">
At the policy anniversary 21st awarded 25 % of the Sum Assured : Rp 25.000.000 , - ( 4 - year college kid ) </div>
<div style="text-align: justify;">
At the policy anniversary to - 22 given 40 % of the Sum Assured : Rp 40.000.000 , - ( children 5 years and college graduation )<br />
<br /></div>
<div style="text-align: justify;">
<b>PAYMENT : </b><br />
<br /></div>
<div style="text-align: justify;">
Monthly premium : Rp 1.584 million , - </div>
<div style="text-align: justify;">
Premium Quarterly : Rp 4.664 million , - </div>
<div style="text-align: justify;">
Premiums Semester : Rp 9.152 million , - </div>
<div style="text-align: justify;">
Annual premium : Rp 17,600,000 , -</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-59322709225078334662013-11-09T01:51:00.001-08:002013-11-09T08:37:29.963-08:00Plan the retirement with insurance<div style="text-align: justify;">
No one can knows the future , but anyone can design their future well !</div>
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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 ...</div>
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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 ...</div>
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But in reality , a lot of people around us in the retirement age , still have to work hard to earn a living .</div>
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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 ...</div>
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Is such circumstances do we want? ? ? If not , then we have to design a pension fund it properly </div>
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EXAMPLE The following is a person who has been designing since the early " Pension Fund " for old age , as follow :</div>
<div style="text-align: justify;">
Insured Name : Mr. X</div>
<div style="text-align: justify;">
Insured Age : 25 years</div>
<div style="text-align: justify;">
Insured Gender : Male</div>
<div style="text-align: justify;">
Sum Assured : Rp 250.000.000 , -</div>
<div style="text-align: justify;">
Pension Fund : payable at age 55 years</div>
<div style="text-align: justify;">
Premium Payment Period : 5 years</div>
<div style="text-align: justify;">
Period of Insurance : s / d age of 100 years</div>
<div style="text-align: justify;">
Non- premium policy period : 70 years</div>
<div style="text-align: justify;">
SPECIAL BENEFITS :</div>
<div style="text-align: justify;">
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 , - ) .</div>
<div style="text-align: justify;">
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 , - ) .</div>
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<b>BENEFITS PROTECTION :</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
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</div>
<div style="text-align: justify;">
250.000.000 , - ) and then the coverage ends . </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>PAYMENT :</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Monthly premium : Rp 1,340,325 , -</div>
<div style="text-align: justify;">
Premium Quarterly : Rp 3,946,513 , -</div>
<div style="text-align: justify;">
Premiums Semester : Rp 7,744,100 , -</div>
<div style="text-align: justify;">
Annual premium : Rp 14,892,500 , -</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-61542784368727837292013-11-09T01:45:00.001-08:002013-11-09T17:51:37.154-08:00How to protect your income with insurance<div style="text-align: justify;">
How to create income for your family's protection ? ? ?</div>
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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 :</div>
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<ul>
<li style="text-align: justify;">A dream house cannot be held</li>
<li style="text-align: justify;">Dream car yet can also be purchased</li>
<li style="text-align: justify;">Cost for the school children are still not guaranteed</li>
</ul>
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<ul>
<li style="text-align: justify;">When the holidays are almost never able to be enjoyed</li>
<li style="text-align: justify;">Medical expenses other budgets Fund for retirement is unthinkable</li>
<li style="text-align: justify;">This bill - it is endless</li>
<li style="text-align: justify;">And other unexpected expenses</li>
</ul>
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<div style="text-align: justify;">
So.. , the things mentioned above that are the cause families to be problematic , because the financial circumstances were not good !</div>
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Money is not everything , but everything is almost certainly need the money </div>
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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 .. </div>
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<div style="text-align: justify;">
EXAMPLE The following is someone who early on was " protecting his income " , as follow :</div>
<div style="text-align: justify;">
Insured Name : Mr. X</div>
<div style="text-align: justify;">
Insured Age : 25 years</div>
<div style="text-align: justify;">
Insured Gender : Male</div>
<div style="text-align: justify;">
Policyholder : Mr. X</div>
<div style="text-align: justify;">
Relationship with the Insured : Self</div>
<div style="text-align: justify;">
Sum Assured : Rp 100.000.000 , -</div>
<div style="text-align: justify;">
Premium Payment Period : five years</div>
<div style="text-align: justify;">
Period of Insurance : 50 year ( s / d age 75 years )</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>BENEFITS PROTECTION :</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
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 .</div>
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<b>THE END OF INSURANCE BENEFITS :</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
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 . </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>LIVING BENEFITS :</b></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
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 , -</div>
<div style="text-align: justify;">
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</div>
<div style="text-align: justify;">
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 .</div>
<div style="text-align: justify;">
PAYMENT :</div>
<div style="text-align: justify;">
Monthly premium : Rp 3,045,060 , -</div>
<div style="text-align: justify;">
Premium Quarterly : Rp 8,966,010 , -</div>
<div style="text-align: justify;">
Premiums Semester : Rp 17593.680 -</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-42506753340181165342013-11-09T01:28:00.001-08:002013-11-09T08:37:41.907-08:00why people are afraid to take insurance<div style="text-align: justify;">
Why do people tend to be lazy discussing the topic of life insurance ? Indeed they avoided talking about insurance as it relates to the things they do not like . Fair is not it? If we - say - not like an artist , then we would be reluctant to talk about it instead . Listening name or song alone is the stomach feels queasy hehehe ...</div>
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Death , accident , disability and pain . The words that hopefully we never experienced it . Everyone may hate the circumstances . Unfortunately in this way means that they avoid a vital</div>
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part of a financial plan . Everyone will die not , and 80 % of people die certainly passed a critical period . Accidents causing disability can happen at any time , without prior notice . Many cases popping up left family suffered for years due to the breadwinner dies . Why are so many people who do not believe in Life</div>
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Insurance ? Everyone wants to go to heaven , but nobody wants to die , just a proverb . As a religious person , and of course we have to be sure that everyone would willingly die , is not it?</div>
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People would believe the insurance if he believes that his family would receive an amount of money in critical</div>
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moments . The problem is to get the protection that we have to spend some money . And we did not get any at the time we pay a premium . Differences with clothing or food that can be eaten shortly we wear or we pay the money at the checkout . So when people do not want to spend some money for</div>
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protection ( which is not necessarily the result was directly ) , that's when he would issue the reason that he</div>
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does not believe in insurance . Ironic , because he will sacrifice the continuity of family welfare if he is not able to produce poorer because of critical illness , accident or even death .</div>
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Then why are most people avoid a life insurance agent ? A fact that life insurance is one product that is very hard to sell , because it discusses the things that happened unwanted by consumers . Due to the fact tersebutlah many insurance marketers sometimes use way too " pushy " that annoy the consumer . And instinct all people are not like pressed . As a result of this negative perception that many families</div>
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are left in a financial situation that is not protected . It is important to separate dislike of LIFE INSURANCE</div>
<div style="text-align: justify;">
PRODUCTS ( and their need for life insurance ) or dislike of her MARKETING AGENT .</div>
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Why are many people who feel no need life insurance ? Again this is a very senuah unfavorable perception but is generally accepted , because it is influenced by both good and bad information ; right and wrong . Most people actually feel not require insurance in a state do notunderstand the concept of life insurance itself . Since most of news about life insurance is bad , so this is shaping public opinion and then do not like life</div>
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insurance . Agents are irritating , a waste of money , pray for a quick death , and a variety of other reasons that lead to the actual raised failure to understand the concept of insurance . And this is precisely what form the mindset that they do not need insurance . Try to be wise to put aside negative perceptions and</div>
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advance neutrally assess the benefits of life insurance . Do you really did not need it ? Or is it really needed ?</div>
<div style="text-align: justify;">
Why do many people feel they have no money for life insurance ? The problem here is not an issue of money has or not , but whether life insurance is placed on the priority " spending " or not . Because of competition from other investment products or clear more real will make people feel insurance is not a top priority . It is a top priority</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-6322608535340816272013-11-06T04:42:00.005-08:002013-11-06T04:42:50.161-08:00Why do we need insurance?<div style="text-align: justify;">
The main benefit of the insurance has insured financial position (Customer) back to the time before there is a loss. But other than that, insurance can also reduce the risk of uncertainty, can reduce the losses due to the financial burden that comes suddenly, giving the feeling of security, and many other benefits.</div>
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<b>We can already be sure that in the future will come : </b></div>
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<li style="text-align: justify;">If the illness / accident, whether our wealth would be used to pay for doctors, medicine and hospitals? After that, if the family can still live life as before? </li>
<li style="text-align: justify;">By the time the child will enter / attend school / college, if needed education funding already available? </li>
<li style="text-align: justify;">In retirement should enjoy life, whether it's pension fund already set up, so we did not have to work longer to meet the needs of family life? </li>
<li style="text-align: justify;">When called upon the Lord, whether we care Ύαηб family can still survive with their lives comfortably?</li>
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<b>FOR THAT WE NEED INSURANCE </b></div>
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One way wise, smart and good in designing financial future is with insurance. Insurance is a form of saving can be done by someone aged productive by setting aside a portion of income each month ...
To achieve financial freedom in terms of the required course of struggle and sacrifice. We must set aside 10% -20% monthly income for savings / invest, that's the price of a future financial freedom</div>
young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-73546642482825443452013-11-06T04:26:00.001-08:002013-11-06T04:28:00.426-08:00basic principles of insurance<div style="text-align: justify;">
There are 6 kinds of basic principles that must be met in the world of insurance, namely: insurable interest, utmost good faith, proximate cause, indemnity, subrogation and contribution.</div>
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<li style="text-align: justify;">insurable interest : The right to insure arising out of a financial relationship, between you and the subject matter insured and can be legally recognized.</li>
<li style="text-align: justify;">Utmost good faith : An action to disclose accurately and completely, all facts material (material fact) about something that would be insured, whether requested or not. For example: Adira must honestly explain everything clearly about the extent of the terms / conditions of the insurance, and you also have to provide a clear and correct for objects or interests of the insured.</li>
<li style="text-align: justify;">proximate cause : Means the active, efficient cause of events which brings about a result without the intervention of any force started and working actively from a new and independent source. </li>
<li style="text-align: justify;">Indemnity : A mechanism in which the insurer provides financial compensation to put you in a financial position that you had prior to the loss </li>
<li style="text-align: justify;">Subrogation : The transfer of the right to request from your insurer after a claim has been paid.</li>
<li style="text-align: justify;">Contribution : Insurer the right to invite other insurance companies to equally bear, but do not have the same obligations to you in providing indemnity.</li>
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young ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0tag:blogger.com,1999:blog-4223904301610895223.post-8123996236059550432013-11-06T04:18:00.002-08:002013-11-06T04:18:16.284-08:00what is insuranceokay,
This blog begins with understanding insurance<br />
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Insurance is a form of risk control, by way of transfer / transfer of risk from the first party to the other party, in this case, to the insurer. Transfer is based on legal rules and principles that apply universally, adopted by the first party and other parties.<br />
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Insurance also is a system to lower the risk of financial loss by channeling loss of a person or entity to another .<br />
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every person has insurance<br />
learning this blog and you will be interested in the insuranceyoung ladyhttp://www.blogger.com/profile/01636141460480808811noreply@blogger.com0