Sediakan asuransi pensiun anda mulai sekarang

Masa pensiun akan tenang, jika anda menyiapkan dana pensiun dengan baik

Asuransi penting karena risiko tidak ada yang tahu

Anda bisa mengontrol kesehatan, tetapi tidak bisa mengontrol kecelakaan

Asuransi itu tidak wajib tetapi sangat penting

Ketika sakit dijamin anda tidak dapat mengambil asuransi

Kecelakaan tidak mengenal waktu dan tempat

Pintarlah mengelola risiko yang datang

Kami menyediakan solusi financial anda

Salah sau solusi financial dengan mengambil asuransi

 

Advantages and Disadvantages of Insurance

Some of the advantages we derive from insurance services:
Transferring Risk person or company can move risk to insurance companies to pay the premium is relatively small when compared to the losses that may occur.
Practically we will automatically be required to set aside funds to pay the premiums, it is very beneficial, especially for those who lack discipline.
Being able to provide the funds immediately Suppose we are sick and need medical treatment costs are quite large, and at that time we did not have enough cash. We need not worry that having health insurance. This is because, in part or all of the medical expenses will be paid by your insurance company. This of course depends on the agreements in the insurance policy.
Can serve as a savings These benefits are usually there on whole life insurance. Simply put, the premium you pay we will receive back in case we cancel the policy or insurance is due.
Can be combined with investments are currently no product combination of insurance and mutual funds are known as unit-linked. In short, with the unit-linked products, some of the premium that we pay will be allocated for investment, and partly for the insurance. Regarding the comparison of investment-insurance, usually depending on the decision of policyholders.
In addition to some of the above benefits, the insurance also has several weaknesses, among others:
The premium we will be forfeited if the claim does not happen until the term of the insurance runs out.
It often makes people reluctant insured. Where my money ?. Well, to answer this, we must go back to the main purpose of buying insurance risk transfer. Insurance customers transfer the risk of loss to the company and rewarded with a sense of security. Well, a sense of security that is paid at a premium. So, if the insurance matures, the money we pay will not be back. Because in the insurance period, in fact we have bought protection.
Limited scope Risk Reduction Potential losses borne by the insurance company is limited to the risks measurable economic value. In addition, the insurer will only pay when we experience losses due to events that are listed in the policy. When we buy fire insurance, of course, we will not receive compensation if our homes damaged by the earthquake.

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