why people are afraid to take insurance

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 ...

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

Why do we need insurance?

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.

We can already be sure that in the future will come : 

1. 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? 
2. By the time the child will enter / attend school / college, if needed  education funding already available? 
3. 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? 
4. When called upon the Lord, whether we care Ύαηб family can still survive with their lives comfortably?

FOR THAT WE NEED INSURANCE 

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

basic principles of insurance

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.

1. insurable interest : The right to insure arising out of a financial relationship, between you and the subject matter insured and can be legally recognized.
2. 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.
3. 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. 
4. Indemnity  : A mechanism in which the insurer provides financial compensation to put you in a financial position that you had prior to the loss 
5. Subrogation : The transfer of the right to request from your insurer after a claim has been paid.
6. Contribution  : Insurer the right to invite other insurance companies to equally bear, but do not have the same obligations to you in providing indemnity.

what is insurance

okay, This blog begins with understanding insurance

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.

 Insurance also is a system to lower the risk of financial loss by channeling loss of a person or entity to another .

every person has insurance
learning this blog and you will be interested in the insurance