Having life insurance is still considered not so important for many people because. Life insurance is often considered to only spend monthly income.
In fact, this type of insurance intends to prevent a person from financial losses when the backbone of the family dies. That way, the family members left behind remain financially secure.
Although currently there are various companies that offer life insurance services, you still have to be careful in choosing them. Here are some tips that can be done in choosing the best life insurance for you and your family! rachat de crédit
1. Learn About the Life Insurance You Need
Before comparing some of the best life insurance options, you need to consider your needs. Choose a product that really fits your needs, for example life insurance benefits for critical illness coverage, children's education costs, or old age insurance.
2. Adjust the Premium to Your Financial Ability
Basically, the premium is the budget you have to spend every month to pay for insurance. Premium payments can be made monthly, quarterly or quarterly, six months or semi-annually, or annually.
To be sure, adjust the premium amount to your monthly budget. Ideally, the allocation of funds to pay for the best life insurance is 10-20 percent of the total monthly income. So, if your monthly income is IDR 5 million, then you can take a maximum premium of IDR 500 thousand per month.
3. Understand the Benefits and Amount of Sum Insured
In order to properly budget for life insurance, you need to understand the benefits of the product and the amount of the sum insured provided. These two things will differ in magnitude between one insurer and another.
But usually, the higher the premium you pay, the more benefits and sum assured you will receive.
Therefore, you should ask this in detail to the insurance so that there are no misunderstandings in the future.
4. Find out the track record of the insurance company you choose
When choosing an insurance company, choose one that has high credibility. You can see this from the track record of the insurance company.
Have any specific awards been awarded over the past few years? The existence of an award can be an indication that the life insurance company has a good track record in the eyes of the public.
5. Choose a Licensed Life Insurance Agent
Keep in mind, not all agents who offer you insurance are official agents of life insurance companies. There are also agents who only act as brokers or intermediaries.
So before buying the best life insurance, make sure first that the insurance agent that offers you is an agent who has an AAJI license (Indonesian Life Insurance Association).
The best life insurance agents who have an AAJI license can be responsible for helping you when there are administrative problems or problems when making claims.
6. Check the contents of the policy carefully
Sometimes when it fits and feels okay to buy something, many people often forget to re-examine the item to be purchased carefully.
This also applies when buying life insurance. This kind of behavior should be avoided because insurance has a short contract period. So always study the contents of the policy provided by the insurance agent.
Pay attention to every detail of the points listed, especially the points regarding the claim provisions of the life insurance. If something is not understood, you should immediately ask the insurance agent who offered you.
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