Let's Protect Your Family with Insurance Excuses

Narrated a family with two children. One time his mother who was also a sick worker. This pain makes health costs surged above the liability limits in place the company in question and her husband worked.

The frantic husband surefire mind forgot to lock the car when the shopping needs of the house on the market. So? ~ Hover? is not insured car was stolen a thief.

Like unbearable, going short-circuit current when the house was empty, like helping fuel the red rooster eating houses still repaid it. Amid the relentless pressure of his father walking unsteadily and did not see the emergence of a speeding motorcycle at high speed hit him ... fell sprawling ...

The story ends with a condition of permanent disability father, mother is dying because of acute illness. So the question is, how the fate of his father and his children then?

Dramatic? Probably yes, but if one could be observed among a series of disasters that happen to us? The answer is sorry, maybe once. Apart from the human submission to the Creator, men endowed with wisdom in dealing with his life. Besides the breadwinner while knitting financial stability and achieving financial goals should protect their family who loved by purchasing an insurance policy.

Yes, the insurance comes as a way out so he could sleep soundly. Insurance is a financial product that provides protection to one party by releasing / sharing the risks to others more expert in managing the risk / are willing to bear the burden together.

The question that arises is what kind of insurance that can be used, how the characteristics and benefits of what we receive?

1. Health insurance is a product that provides health insurance or maintenance costs for the participants of the insurance if they fall ill or have an accident. There are types of treatment offered by health insurance companies, ie, inpatient or outpatient.

2. Life Insurance is divided into three types, including term insurance, life insurance, and dual-purpose insurance. Term insurance is life insurance product which provides protection for policyholders risk of dying within a certain period, while life insurance will provide protection when the insured dies at any time. Dual-purpose of insurance is a combination of term insurance and life that will pay the sum assured at the end of the contract.

3. Permanent Disability Insurance & Critical Illness insurance is a type that provides protection to the insured the cost of living in case of health problems caused by accidents or permanent disability.

4. Other insurance such as insurance assets that provide protection for the risk of property assets, such as fire, theft, floods. Included here is the Motor Vehicle Insurance or Insurance Property Assets in the event of fires and floods; credit insurance that pays part or all of the assumed liabilities insured in case of layoffs, accidents, or death. Lenders mortgage insurance, for example, belonged to this category; liability insurance coverage that provides broad protection for the insured against claims by other parties who have losses from accidents that occurred due to the operation of the assets of the insured; special accident insurance that provides protection for the accident because of the risk of crime or politics, but is not related only to specific property assets.

5. Which is popular today is the Insurance Plus or known as Link Units. This is a life protection products and / or accidents that added investment component that becomes a more attractive product consumers. There are some people assess damages if just pay the money without additional cash benefits. Therefore dikemaslah protection products with capital market instruments and money market real risk in it. The difference is the deposit premium paid divided by two: the portion of premium protection and investment portion and then channeled to the investment manager.

In the midst of a growing risk of higher life choices to provide the best for the people we love belongs to each of us. Are we going to give? If yes, when are we going to start?