Tips Before Buying Life Insurance
Life insurance has a function as protection when the insured dies. The insurance company will provide insurance money to those left behind. In addition, life insurance is also used to cover the potential loss of revenue. Many people buy life insurance products when not needed and do not take out insurance with sufficient insurance money if needed.
The following is a brief description of the tips or tips before buying life insurance products:
Tips / Tips Before Buying Life Insurance
1. People Without Dependents and Obligations
People living without dependents and liabilities do not need to buy life insurance products. The reason is people without dependents do not need life insurance protection because it does not affect the income of other people.
2. Persons Aged whose son Mandiri All
Old man with all his independent no longer has an obligation to other parties. If the old man dies, his children are not harmed financially. Which takes parents in old age is not insurance, but large amounts of liquid funds. Parents in old age requires more annuity which serves to provide protection if the insured dies too fast. Annuity will provide protection if the insured lives too long.
3. Families with Children
Families with children is very important need life insurance policy. The smaller the child's age in a family, then the longer the support for insurance in the form of a scholarship up to university. It may be that most people think that the savings they save for education is adequate, but the savings would be interrupted when the family income that sustains the formation of such savings funds stalled.
4. The family already Retirement
Insurance agents usually recommend that those who are already retired to buy a life insurance policy, so that if one of the spouses dies can still get support from the insurance fund. However, there are different opinions, that the actions of the insurance agent is less true.
When one member retired and do not have income from work, the major need is for adequate funding to sustain their daily needs. Therefore, if the family pension already cashed the cash value of the insurance policy of his day, these funds should be invested in safe investments such types of deposits.
5. Single
For a single which is the main supporter of the family finances, then the family would be devastated when he died. A single here would require a life insurance policy to support family life. However, if the single has no dependents on family finances, revenues could be used for the welfare of his or invest it to life in the future.
Buy an insurance policy when he was young the price is cheap. However, once again it must be taken into account with future needs when compared with the amount of funds ditabungkan. If the savings funds are sufficient, then buy only wasteful expenditure to mere policy.
6. Families Without Children
Families without children may require a life insurance policy, but could not. To test these needs then to be asked whether the couple left having financial difficulties in case the main financial source died. If the surviving family members have sufficient income then a life insurance policy is not required.
If a family member is very dependent on the income of the deceased person, the life insurance policy is needed. Likewise, when it turns out families without children are still alive and turns long after their retirement income then still require additional purchase of a life insurance policy should also be considered by the members of the family.
7. Children
Children usually used as a soft target for the insurer to sell his life insurance policy. Purchasing a life insurance policy for children is usually not large when compared to the sum insured for adults. However, if one intends to buy insurance policies for their scholarship when entering college then it would not hurt. Thus, the purpose of funding for children's education will be ensured through an insurance policy.
The following is a brief description of the tips or tips before buying life insurance products:
Tips / Tips Before Buying Life Insurance
1. People Without Dependents and Obligations
People living without dependents and liabilities do not need to buy life insurance products. The reason is people without dependents do not need life insurance protection because it does not affect the income of other people.
2. Persons Aged whose son Mandiri All
Old man with all his independent no longer has an obligation to other parties. If the old man dies, his children are not harmed financially. Which takes parents in old age is not insurance, but large amounts of liquid funds. Parents in old age requires more annuity which serves to provide protection if the insured dies too fast. Annuity will provide protection if the insured lives too long.
3. Families with Children
Families with children is very important need life insurance policy. The smaller the child's age in a family, then the longer the support for insurance in the form of a scholarship up to university. It may be that most people think that the savings they save for education is adequate, but the savings would be interrupted when the family income that sustains the formation of such savings funds stalled.
4. The family already Retirement
Insurance agents usually recommend that those who are already retired to buy a life insurance policy, so that if one of the spouses dies can still get support from the insurance fund. However, there are different opinions, that the actions of the insurance agent is less true.
When one member retired and do not have income from work, the major need is for adequate funding to sustain their daily needs. Therefore, if the family pension already cashed the cash value of the insurance policy of his day, these funds should be invested in safe investments such types of deposits.
5. Single
For a single which is the main supporter of the family finances, then the family would be devastated when he died. A single here would require a life insurance policy to support family life. However, if the single has no dependents on family finances, revenues could be used for the welfare of his or invest it to life in the future.
Buy an insurance policy when he was young the price is cheap. However, once again it must be taken into account with future needs when compared with the amount of funds ditabungkan. If the savings funds are sufficient, then buy only wasteful expenditure to mere policy.
6. Families Without Children
Families without children may require a life insurance policy, but could not. To test these needs then to be asked whether the couple left having financial difficulties in case the main financial source died. If the surviving family members have sufficient income then a life insurance policy is not required.
If a family member is very dependent on the income of the deceased person, the life insurance policy is needed. Likewise, when it turns out families without children are still alive and turns long after their retirement income then still require additional purchase of a life insurance policy should also be considered by the members of the family.
7. Children
Children usually used as a soft target for the insurer to sell his life insurance policy. Purchasing a life insurance policy for children is usually not large when compared to the sum insured for adults. However, if one intends to buy insurance policies for their scholarship when entering college then it would not hurt. Thus, the purpose of funding for children's education will be ensured through an insurance policy.
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