Insuring the future

Insuring the futur, There is a need for insurance in different parts of the world, one of which insurance prudential insurance growth in Indonesia. Insurance that offer their services to all of the investment to ensure the future. Insurance is very important to us as the risk of.

Prudential, you with the products based on unit linked life insurance to provide health insurance and social welfare are:

1. Savings (investment)

2. Health Protection

3. Income protection (salary)

The products were designed to provide the above guarantee a result of various risks in the future. We believe that the products mentioned above are the basic needs and primary.

The purpose of the expected participation of the Prudential insurance products, savings are:

1. Able to create efficiency and discipline in financial matters.

2. Help in preparing for the educational needs of a child lover.

3. Assist in the preparation of the need for guarantees.

4. Able to increase productivity by providing guarantees for the care of the family.

Provided benefits:

1. Advantages of Investing

A. Benefits of Education for Children

B. Pension benefits

C. Favor of the Emergency Fund

D. Benefits for a better future

E. Benefits of a meeting of religious worship

2. For the protection of

A. Benefits of life / death

B. Health benefits, inpatient, intensive care unit and surgery

C. Benefits and total permanent disability

D. Critical illness benefit

E. Savings pain

Life Insurance 4 step For Mortgages

Life Insurance 4 step For Mortgages. If the mortgage is paid immediately in case of death, is a major burden for the family camp.

Options: To go option must be done in this case.

1. First husband was the surviving partner / bear the burden of mortgage and the bank will accept the risk? If the two incomes together, it is difficult to make ends meet, how we can have enough income?

2. nd Families may transfer your home for sale or rent elsewhere. The buyer does not? To sell to the costs associated with the house? Will you have enough money after selling the family or the bank's due?

3. Third sale of a house and move with relatives. There is no better choice and how charitable and generous relatives are ready to take on another family? Not many bet I do.

4. you people realize their home, which most people most valuable asset, their insurance and mortgage protection.

Incidentally, I'm sure you heard someone say that was'm dead, you know, no money to friends and family that survived sentence. You can immediately see that these people have no insurance and insurance advisor, as I can not ignore. If you really love your family, you only $ 15.00 per month to prevent this.

Life Insurance - Learn from the old drug

Life Insurance - Learn from the old drug. Life has been around for hundreds of years, and in some cases much better product. Insurance may develop life tables, models of human studies mortality statistics from time to time ... usually for a lifetime of 100 years. These mortality tables are amazingly accurate and allows insurance companies to predict exactly how people of all ages will be available each year die. From this table and other information that the insurance company will receive an offer for insurance.

The total cost will be the annual cost per thousand coverage expressed. For example, if you want to buy $ 10,000 of coverage and cost per thousand is $ 10.00, the annual premium would be $ 100.00.

Modern medicine and better nutrition, life expectancy for most people is increasing. Increased life expectancy has facilitated a sharp decline in premiums for life insurance. In many cases, insurance costs a few cents per thousand.

There is really only one type of life insurance and a term insurance. This means that the insured person for a specified period or term. All other life insurance policies have a term insurance as their main ingredient. No other materials that you can use it. However, insurance companies are many, many other life style products, which tend to obscure the reason for life insurance creates. They also have a very enriching insurance companies.

Planning for all Insurance situations

Life insurance companies offer a number of riders that can be tacked on to whole life policies. (All riders may not be offered by all companies, and many insurers offer other specialized riders not listed here, so check with your agent.)

Accidental death benefit rider: Pays an additional benefit if you die in an accident.Disability income rider: Provides regular income from the insurance company if you become totally and permanently disabled.  Level terms rider: Adds a fixed amount of term insurance to the whole life policy for a specified period  Living benefits rider, also known as accelerated death benefit: Pays an portion of your death benefit during your lifetime if you are diagnosed with a terminal illness and have a specificed life expectancy (such as 12 months). You can add this rider after buying the policy.Long term care (LTC) rider: Pays for LTC expenses if you meet certain criteria.Policy purchase option: Gives you the contractual right to purchase additional insurance without evidence of insurability. For example, you may need additional life insurance after the birth of a child.Waiver of premium rider: Waives premiums if you become disabled or unemployed. (Terms vary by insurer.)

A stretch of choice for insurers

When I get a very tragic accident that I came to require insurance services are now often in need by all people,

Ordinary whole life insurance: Premiums are level for your life and your policy build cash value. Initial annual cost will be much higher than the same amount of term life insurance, but as you get older that closes the gap.

Limited payment whole life insurance: This policy allows you to pay premiums only a certain period, like 20 years or until age 65, but assure you the rest of your life. Thus, premium payments will be higher than if the payments are spread through your life.

Single premium whole life insurance: This policy is paid up after a substantial initial payment.

Universal life (UL) insurance: This policy lets you vary your premium payments and adjust the death benefit you as the changing needs of beneficiaries. You have to realize how much of your account and whether you need to make payments to keep the policy in force. There are also UL policies that can provide a level of premium, as well as UL policies with a premium selection of planned and guaranteed death benefit for life. This policy may offer lower premiums in exchange for the slow accumulation of cash value, if any.

Variable life insurance (Vul) universal: The following cash value and death benefit associated with certain investment accounts. Your cash value and increase the death benefit if the underlying investments do well, or they may shrink considerably under poor investment performance. Read the prospectus for Vul careful and never buy a policy that you do not understand. There may be additional premium required to guarantee the death benefit amount.

Survivorship life insurance, also called second-to-die life insurance: This type of policy guarantees that all lives a double life as ever (usually husband and wife) and pay for the death of a second individual. It is good to those who need to provide the recipient only after both have passed. It is also less expensive than insuring two lives under a separate policy.

Participating or non-life insurance participants: ". Non-participants" Any type of whole life policies listed above can "participate" or you have a policy of life insurance companies to participate if you pay dividends to policyholders when it has a good financial year . Dividends are not guaranteed and they will vary year to year when they are paid, but if you have a participating policy that you can take your dividends as cash, use them to pay premiums or use them to purchase additional insurance to increase your policy's face value. Dividends are not taxable as long as they do not exceed the premiums you've paid in.

Term life insurance in general

Term life insurance in general. The simplest of all life insurance to understand and the cheapest to buy: Term life insurance provides death benefit protection without any savings, investments or "cash value" components for a long period of coverage.

Life insurance is available for set periods of time as in 10, 15, 25 or 30. With the "annual renewable term life," your policy is automatically renewed each year and the premium increases as you get older. Select the "Level term insurance" if you want your premiums to remain the same during the policy. Also available is the "decreasing term insurance," in which the premium remains but the decline in mortality rate your benefit from time to time. This is great if you want to only include certain debt to decline, such as mortgages or business loans.

As long as you pay your premiums, the company cannot cancel you.

Term life insurance is a popular choice because of the long rate-guarantee periods and because of the ability to get a low cost life insurance policy. However, if you get to the end of your policy term and still need life insurance, you'll need to shop for a new policy, which will then be priced based on your older age and health status.

Choosing an initial rate-guarantee period is easy: Match the period of time your dependents need your income to the available rate-guarantee periods. For example, if your children are young and you have decades to go on your mortgage, try 30-year term life. If your children are leaving the nest and your home is paid off or nearly paid off, 10-year term might fit the bill.

Step 10 Small Business Health Insurance A policy of Great Agent

Step 10 Small Business Health Insurance A policy of Great Agent. So what do you think happens almost 100% of the time when I ask people to "BASIC" questions about their health insurance policy? They do not know the answer! Here is a list of 10 questions I often ask prospective clients of health insurance. Let's see how many YOU can answer without seeing your policy.

1. Insurance Companies What are you insured with and what the name of your health insurance plan? (For example, Blue Cross Blue Shield-"Basic Blue")

2. What is your calendar year deductible and you will have to pay a separate deductible for each family member if everyone in your family became sick at the same time? (For example, majority of health plans have an annual deductible per person, for example, $ 250, $ 500, $ 1,000, or $ 2,500, however, some plans will only require you to pay a 2 person maximum deductible each per year. Even if everyone in the family You will need extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) is based on? (For example A good plan with 80/20 coverage means you pay 20% of some dollar amount the dollar amount is also known as stop loss and may vary based on the type of policy you purchase .. Stop losses can be as little as $ 5,000 or $ 10,000 or as much as $ 20,000 or there are some policies on the market that does NOT have to stop the dollar amount of the loss.)

4. What is the maximum out of pocket expenses per year? (Eg All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What Lifetime maximum benefit the insurance company will pay if you become seriously ill and you do not plan to have "a disease" maximum or cap? (Eg Some plans may have a lifetime maximum of $ 5 million, but may have a maximum benefit cap of $ 100,000 per disease. This means that you have to develop many separate and unrelated life-threatening illnesses costing $ 100,000 or less to qualify for $ 5 million of lifetime coverage.)

6. Whether you plan a schedule plan, in this case only pay a certain amount for a specific list of procedures? (For example, Mega Life & Health & Midwest National Life, supported by the National Association of Self-Employed, NASE is known to support the planned schedule) 7. Does your plan have doctor co-pays and you're limited to a certain amount of co-pay doctor visits per year? (Eg Many plans have a limit of how many times you go to a doctor per year for co-pay and, quite often limiting visits is 2-4.)

8. Does your plan offer prescription drug coverage and if not, whether you pay co-pays for your prescription or you must meet a separate drug deductible before you receive benefits and / or if you only have only prescription discount card? (Eg Some plans offer prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription drug co-pay for the day., Many plans do not offer co-pay options and only provide you with a discount prescription card that gives you a discount 10-20% on all prescription drugs).

9. Does your plan have a reduced benefit for organ transplants and if so, what the maximum your plan will pay if you need an organ transplant? (Eg Some plans only pay a $ 100,000 maximum benefit for organ transplants for the procedures that actually cost $ 350 -. $ 500K and is a maximum of $ 100,000 also includes the replacement of expensive anti-rejection drugs that must be taken after transplantation If this happens, You will often have to pay for all the anti-rejection drugs out of pocket).

10. Do you have to pay "access charges" or a separate deductible for each hospital admission or for each emergency room visit? (Eg Some plans, such as "CoreMed" Assurant Health plan that has a $ 750 cost of a separate hospital admission that you pay for your first 3 days in the hospital this fee is in addition to plan deductible .. Also, many plans have benefit "caps" or "access fees" for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit "caps" could be as little as $ 500 for each patient treatment, leaving you a bill for the remaining balance. Access fee is an additional cost you pay per treatment For example, for each outpatient chemotherapy treatment, you may be asked to pay "access charges" $ 250 per treatment .. So for 40 chemotherapy treatments, you will have to pay 40 x $ 250 = $ 10,000. Once again, this fee will be charged in addition to plan deductible).

Principle Should be Applied to Auto Insurance

Principle Should be Applied to Auto Insurance - Car insurance comes in two forms: traditional insurance you buy from your agent or directly from insurance companies, and insurance purchased from car manufacturers and dealers. Both are risk transfer and sharing device and I will generally refer to both as insurance. Because auto third party liability insurance has no equivalent in health insurance, a traditional auto insurance, I will examine only collision and comprehensive insurance - insurance covering the vehicle - and not a third-party liability insurance.

Bumper to bumper

Here are some commonly accepted principles of auto insurance:

* Void Poor maintenance of certain insurance. If the car owner never changed the oil, power train warranty is automatically void. In fact, not only oil to be changed, changes must be made by a certified mechanic and documented. Collision insurance does not cover the car accidentally pushed off a cliff.

* Insurance is offered for the best new models. Bumper-to-bumper warranties are offered only on new cars. Because they roll off the assembly line, the car has a low risk profile and relatively consistent, satisfying the actuarial test for insurance pricing. Furthermore, car manufacturers usually wrap at least some coverage into the price of new cars in order to encourage an ongoing relationship with the owner.

* Limited insurance is offered for older model cars. Increasingly limited insurance is offered for older model cars. Bumper warranty end-to-bumper, power train warranty eventually expires, and the number of collision and comprehensive insurance continues to decline based on market value of the car.

* Car certain older qualify for additional insurance. Some older cars can qualify for additional coverage, both in terms of a guarantee for increased car use or collision and comprehensive insurance for vintage cars. But such insurance is offered only after careful examination of the car itself.

* No insurance is offered for normal wear and tear. Wiper blades should be replaced, brake pads wear out, and bumpers get dings. This is not an insurable event. To the extent that a new car dealer will sometimes cover some of these costs, we intuitively understand that we are "paying for it" in the cost of the car and that it was "not really" insurance.

* Accidents are only insured for the event's oldest car. Accidents are generally insurable events even for the oldest car, with few exceptions the service does not work.

* Insurance does not return all vehicles to pre-accident condition. Car insurance is limited. If damage to the car at any age exceeds the value of auto, insurance company then pays only the value of auto. With the exception of vintage cars, the value assigned to auto drop from time to time. So while the insured accidents at any age of vehicle, the more limited amount of accident insurance.

* Insurance is the price for risk. Insurance is priced based on risk profile of both car and driver. Auto insurance companies carefully inspect both when setting prices.

* We pay our own insurance. And with few exceptions, car insurance is not tax deductible. As a result, the fear of increased insurance rates due to traffic violations and / or accidents changes our driving behavior and sometimes we choose our cars based on their insured.

Each of the above principle is supported by solid actuarial theory. Although most Americans can not describe the theories underlying the actuarial, most people understand the principles on car insurance at the intuitive level. To be sure, as the car is really needed is for our lifestyle, there is no strong national movement, accompanied by moral outrage, to change these principles.

insurance needs to live a better life

At first my life is concerned, I think that my life had to change not only stagnant, then I asked the person who masters in education from the beginning teachers, businesses, and the other is different from other careers who are always successful. I was inspired a long life and understand the people whose lives are successful, it turns out the insurance is one of the best choices.

This lasted for 6 weeks. Finally on Thursday I met with Kusno at his house and he smiled and said, "Sir, the value of my stock will go up. I will immediately sell it for a while longer. Meet me Monday! "

Relieved, I returned to the office. I felt he had sold policies with a value large enough.

Monday arrived, I immediately see him. I arrived at his house, but I was very surprised, Kusno lying in a coffin. He's dead!

Apparently on Friday, he worked full. Instrinya hospital Saturday morning and tried to call the doctor. When the doctor arrived at his house, too late, the situation is severe enough Kusno. Constriction occurs in the lungs. Kusno died Saturday morning. Kusno saw lying in the coffin, I understand the meaning of the insurance. Repeatedly I said, I've failed, I failed, I have failed.

A few weeks after the funeral, the widow Kusno started selling the house she shared with her children. Without income from their husbands, they are not able to meet all the needs of life who dies. Two boys entrusted to his brother, while his wife lived outside of town with his sister along with three daughters.

No one could replace insurance. That's why insurance is like an obsession for me. Insurance is like faith to me. Whoever I meet, I will definitely ask to have this wonderful product. I thank God, because He has created me as an Insurance Agent.

Insurance benefits can not be felt so we "buy" it. Differences with food, drinks or cigarettes though. Once buy food, eating, delicious ... kerasa direct Nyuus Mak. If we could see the future or that will happen, can know when we entered the hospital, when we crash and know when we will die, maybe not sold by insurance agents but are sold freely in shopping malls and people will be lining up in droves buy it. "Duh tomorrow like they're taking by deh I got dengue fever 10 days, yuk anterin I buy insurance on the Mall there" or "Mr. Wit, buy insurance where delicious huh? ya i want to die tomorrow, would love my wife inheritance for children ". Remember, Regret always comes too late.

The principle that insurance is the transfer of the risk of events associated with our soul, not yet firmly entrenched. We are willing to pay Rp 15 thousand dollars for a car park for hours at Mangga Dua in the hope of our cars safely, is in a location less likely to be stolen than the parked near Kebon Kacang. Willing to pay dues to pay for complex security guard in charge of securing our homes. But why for health and life itself not Ya?