Micro-insurance market (microinsurance) in Indonesia is quite large which until now still has not entered both local and foreign insurance, because the 238 million population is only about 5 million who have insurance.
"The insurance market in the country, made the Indonesian Life Insurance launches new product micro-insurance (microinsurance) for the economically weak," said Managing Director of Allianz Life Indonesia, Jens Reisch, told reporters in Jakarta, Thursday (24/08).
According to him, the launch of the first insurance product mikor it aims to bridge the gap between demand and supply of microinsurance in Indonesia.
We are optimistic that our customers can reach the market until as many as 50,000 people cope, to see the remaining time was only four months, let alone insurance has not been much coming into this segment "he said.
The launch was previously produki based on market studies GTZ-UNDP-Allianz that market demand for low-very high class, but insurance means lower economic groups is lacking.
Moreover, of the total population of Indonesia is included in group insurance programs only reached around 20 million people, he said.
He said that micro-insurance products offered in the trial at this year called "Family Umbrella" and offers Rp6.000 life insurance premiums per year.
"Umbrella asuansi soul family offers loans with a few additional benefits that customers who take out loans when meninggak, then the remaining loan balance will be covered by insurance and the family he left nothing to worry about the remaining payments continue," he said.
Products will be managed by partners such as rural banks, Credit Unions and non-governmental institutions. Loans disbursed by these institutions ranged from 500 thousand to Rp 10 million, he said.
Jen Reisch further said, there are three tujuna of this project, exploring new segments to enlarge its customer base, to support government programs to the general public gain easy access to insurance protection and social responsibility and business opportunities in the future.
Allianz is currently processing the policy set of customer credit issued totaling 18,500 Credit Unions, because Allianz is optimistic customers will be able to reach at 50,000 people this year, comprising 30,000 of life insurance and health insurance, 20,000.
This product was previously offered by Allianz in India that has had as many as 80,000 customers, he explained.
Asked about their customers, according to him, Allianz has a customer as much as 15 million people who can be achieved every year between 100,000 to 300,000 people per year.
"We are optimistic that the number of customers will be increased along with the launch of mircoinsurance a very promising market," he said.
Agents will still be the mainstay insurance Product Sales
Current life insurance industry has opened a lot of marketing distribution channels, including through the "bancassurance", despite that, the agent remains a mainstay in third party funds.
"The agency remains the mainstay for raising premiums. Look at the year 2003, from 76,093 agents from 50 insurance companies (17 local joint ventures and 33) managed to capture the premium Rp13, 765 billion," said Chairman of the Indonesian Life Insurance Association (AAJI) Evelina F Pietrusckha, in Jakarta, Friday (13 / 5).
For that, said Evelina, the quality of the agents as the spearhead of marketing insurance products should continue to be improved, including equipping them with the licensing agency.
"It is important to give a good image for the agency." In addition to improving quality, he said, the agents also need to get an appreciation for their hard work with such award bestowed on him.
"Giving this award to encourage the agents to collect deposits more at once to show the public that the agent could earn billions every year. If a potential agent, could have a larger income from the directors of the company where he works," said Evelina.
On that basis, AAJI back will hold a Top Agent Award for the 19th which will berlangsungkan 9-10 May 2005 in Bali as a venue for prestigious national awards in the life insurance industry.
Chairman of the Executive Committee, Walia said Jimmy TAA, TAA this time is The New Horizon of Selling. "Thema was removed because the current way of selling insurance through changes. To be able to sell a product, an insurance agent must have a license agency."
This, he says, represents a new paradigm in national life insurance industry. With the license, the insurance agent is expected to be more professional in selling or providing service to customers so that a proper selection of these themes.
Chairman AAJI Pietrusckha Evelina F fully supports the holding of TAA 2005 because this event can be used as a means of communication and improve the standardization of quality agents as well as a means of appreciation of the success of the national insurance agency.
"As the spearhead of companies, insurance agents also contribute to assist the government in social welfare of the community through family financial planning," said Evelina.
According to Jimmy, this time to prepare TAA 7 categories include Agent of the Year, Best Quality Producer, Best Productive Senior Producer, Top Income, Top Premium and Top Policy. "Special Group Insurance Premium Downloadable put up one category," said Jimmy.
In addition to giving gifts, TAA is also used as a platform to motivate the agents of life insurance through self-development seminar that presents a motivator James Gwee.
"The agency remains the mainstay for raising premiums. Look at the year 2003, from 76,093 agents from 50 insurance companies (17 local joint ventures and 33) managed to capture the premium Rp13, 765 billion," said Chairman of the Indonesian Life Insurance Association (AAJI) Evelina F Pietrusckha, in Jakarta, Friday (13 / 5).
For that, said Evelina, the quality of the agents as the spearhead of marketing insurance products should continue to be improved, including equipping them with the licensing agency.
"It is important to give a good image for the agency." In addition to improving quality, he said, the agents also need to get an appreciation for their hard work with such award bestowed on him.
"Giving this award to encourage the agents to collect deposits more at once to show the public that the agent could earn billions every year. If a potential agent, could have a larger income from the directors of the company where he works," said Evelina.
On that basis, AAJI back will hold a Top Agent Award for the 19th which will berlangsungkan 9-10 May 2005 in Bali as a venue for prestigious national awards in the life insurance industry.
Chairman of the Executive Committee, Walia said Jimmy TAA, TAA this time is The New Horizon of Selling. "Thema was removed because the current way of selling insurance through changes. To be able to sell a product, an insurance agent must have a license agency."
This, he says, represents a new paradigm in national life insurance industry. With the license, the insurance agent is expected to be more professional in selling or providing service to customers so that a proper selection of these themes.
Chairman AAJI Pietrusckha Evelina F fully supports the holding of TAA 2005 because this event can be used as a means of communication and improve the standardization of quality agents as well as a means of appreciation of the success of the national insurance agency.
"As the spearhead of companies, insurance agents also contribute to assist the government in social welfare of the community through family financial planning," said Evelina.
According to Jimmy, this time to prepare TAA 7 categories include Agent of the Year, Best Quality Producer, Best Productive Senior Producer, Top Income, Top Premium and Top Policy. "Special Group Insurance Premium Downloadable put up one category," said Jimmy.
In addition to giving gifts, TAA is also used as a platform to motivate the agents of life insurance through self-development seminar that presents a motivator James Gwee.
Will Insurance Companies Estimate Infobank falling
Infobank Research Bureau estimates that the plan the Department of Finance (MOF) to create architecture Insurance Indonesia will cause `autumn 'for insurance companies, which would be the reduction in strong companies that have capital and the demise of insurance capital is less.
"Costs of capital are becoming increasingly important because it relates to the business of insurance companies that are absorbing the risk. The role of capital will be clearer when the Indonesian Insurance Architecture becomes a reality," said Director of Research Bureau InfoBank, Eko B. Supriyanto, in the event announcement "Insurance 134 Rating InfoBank version 2005", in Jakarta, Monday (20 / 6).
Previously, insurance companies also fell after the Treasury Department as an insurance regulator stressed the importance of capital for insurance companies or so-called "risk-based capital" (RBC) or capital adequacy ratio.
Regulations are strictly enforced beginning in December 2004 has caused as many as 14 insurance companies permit has been revoked by the Ministry of Finance.
Described According to the Bureau of Research, until the end of 2004 insurance companies are not able to meet the 120% RBC is twofold. But that does not remove the balance sheet or financial statements of the publication there are nine life insurance companies and six general insurance companies.
"While that is still sanctioned restrictions on business activities or PKU there are four insurance companies," said Eko B. Supriyanto.
Apart from this, according to Eko, the insurance industry growth seen in Indonesia, where growth in gross premiums reached 33.08% of life insurance and general insurance premiums experienced perumbuhan 12.95% compared with the previous year.
"This means the insurance business continues to grow is actually still in the midst of starting the process of consolidation," said Eko.
Eko is also considered that the insurance companies getting better at choosing a strategy for its investment portfolio, where the portfolio is no longer dominated by deposits.
"The portion of these deposits is now 25.45%, followed by investments in stocks and bonds, 24.66% and marketable securities amounting to 20.46%. Meanwhile, mutual funds and direct investments respectively 10.14% and 10.74%," Eko said.
Described from a study of Bureau of Research, Insurance Rating Methodological approaches to financial statements 10 criteria: RBC, liquidity ratio, the ratio of technical reserves with current assets, the ratio of premiums to the premium reserve retention, changes in gross premium income, premium retention ratio itself with its own capital, investment ratio of technical reserves plus debt claims, the ratio of net claims expenses to net premiums, the ratio of revenue expenses with revenue, and the ratio of average income with their own capital.
"Costs of capital are becoming increasingly important because it relates to the business of insurance companies that are absorbing the risk. The role of capital will be clearer when the Indonesian Insurance Architecture becomes a reality," said Director of Research Bureau InfoBank, Eko B. Supriyanto, in the event announcement "Insurance 134 Rating InfoBank version 2005", in Jakarta, Monday (20 / 6).
Previously, insurance companies also fell after the Treasury Department as an insurance regulator stressed the importance of capital for insurance companies or so-called "risk-based capital" (RBC) or capital adequacy ratio.
Regulations are strictly enforced beginning in December 2004 has caused as many as 14 insurance companies permit has been revoked by the Ministry of Finance.
Described According to the Bureau of Research, until the end of 2004 insurance companies are not able to meet the 120% RBC is twofold. But that does not remove the balance sheet or financial statements of the publication there are nine life insurance companies and six general insurance companies.
"While that is still sanctioned restrictions on business activities or PKU there are four insurance companies," said Eko B. Supriyanto.
Apart from this, according to Eko, the insurance industry growth seen in Indonesia, where growth in gross premiums reached 33.08% of life insurance and general insurance premiums experienced perumbuhan 12.95% compared with the previous year.
"This means the insurance business continues to grow is actually still in the midst of starting the process of consolidation," said Eko.
Eko is also considered that the insurance companies getting better at choosing a strategy for its investment portfolio, where the portfolio is no longer dominated by deposits.
"The portion of these deposits is now 25.45%, followed by investments in stocks and bonds, 24.66% and marketable securities amounting to 20.46%. Meanwhile, mutual funds and direct investments respectively 10.14% and 10.74%," Eko said.
Described from a study of Bureau of Research, Insurance Rating Methodological approaches to financial statements 10 criteria: RBC, liquidity ratio, the ratio of technical reserves with current assets, the ratio of premiums to the premium reserve retention, changes in gross premium income, premium retention ratio itself with its own capital, investment ratio of technical reserves plus debt claims, the ratio of net claims expenses to net premiums, the ratio of revenue expenses with revenue, and the ratio of average income with their own capital.
Indonesia Insurance agents isolated in the International
The insurance agent from Indonesia, until now still isolated on the international community because the meeting has not yet asossiasi registered as a member of Asia Pacific Financial Services Association (APFSA), an association of the soul asuansi agents in Asia Pacific.
Not yet registered life insurance agents, said Ida Kurainy, associate director Ida Kurainy, after a featured speaker at the Congress Aplic / Asia Pacific Life to the 8th Congress in Genting, Malaysia, Sunday, because in Indonesia there is no special association life insurance agent.
In Indonesia, according to Ida, who was just like the Insurance Companies Association of Indonesian Life Insurance Association (AAJI) General Insurance Association of Indonesia (AAUI). Both institutions were not only represents insurance companies in the insurance agent. "Therefore, the formation of the association agent in Indonesia is very urgent," said Ida.
He demonstrated the existence of associate agents in Malaysia. "Here, there are life insurance agents association namely Namlifa (National Association of Malaysian Life Insurance and Financial Advisors), while associations of insurance companies is Liam (the Association of Malaysian Life Insurance)." In Indonesia there is only AAJI so that we can not represent Indonesia Aplic meeting that, "he said.
Number of members APFSA currently 18 countries in Asia Pasific.Selain Vietnam, Indonesia is the only country in ASEAN that are not yet members APFSA. Therefore, according to him, Indonesia needs to immediately make the association of life insurance agents are not isolated from the community to an international meeting like the meeting Aplic today.
"The number of agents in Indonesia are now more than 80 thousand of agents, but do not have a clear container so that if there are agents who have a problem, such as an agent of Prudential Life, and other insurance companies, there is no advocacy, legal and moral defense of the associations concerned. Conversely, if there are insurance agents who violate the code of ethics, then no sanctions, "he said.
Answering questions from AFP, he said, "My presence as a speaker here, just because intercourse alone and my ability in the field of life insurance. Therefore, I am sad to see many participants from Indonesia, about 100 people joined the meeting an agent here, the personal name which does not represent a nation.
Aplic meeting attended by about 10,000 people in Genting's agents, he said, enough to contribute to the tourism industry, because in addition to agents who joined the Congress, it turns out they also bring the family.
"If Indonesia has a container of insurance agents and registered as a member APFSA, it can be proposed Indonesia as the host at a gathering of life insurance agents who carried out once every two years," he said, adding, introduction to Indonesia through international forums to be done. Meanwhile, a number of Indonesian life insurance agents, like Michael and Janet, who took part in the meeting, wants the establishment of a container agents.
"We hope that, by 2009 Indonesia will host the meeting this Aplic, home this year, Indonesia already has life insurance agents association," said Michael.
Not yet registered life insurance agents, said Ida Kurainy, associate director Ida Kurainy, after a featured speaker at the Congress Aplic / Asia Pacific Life to the 8th Congress in Genting, Malaysia, Sunday, because in Indonesia there is no special association life insurance agent.
In Indonesia, according to Ida, who was just like the Insurance Companies Association of Indonesian Life Insurance Association (AAJI) General Insurance Association of Indonesia (AAUI). Both institutions were not only represents insurance companies in the insurance agent. "Therefore, the formation of the association agent in Indonesia is very urgent," said Ida.
He demonstrated the existence of associate agents in Malaysia. "Here, there are life insurance agents association namely Namlifa (National Association of Malaysian Life Insurance and Financial Advisors), while associations of insurance companies is Liam (the Association of Malaysian Life Insurance)." In Indonesia there is only AAJI so that we can not represent Indonesia Aplic meeting that, "he said.
Number of members APFSA currently 18 countries in Asia Pasific.Selain Vietnam, Indonesia is the only country in ASEAN that are not yet members APFSA. Therefore, according to him, Indonesia needs to immediately make the association of life insurance agents are not isolated from the community to an international meeting like the meeting Aplic today.
"The number of agents in Indonesia are now more than 80 thousand of agents, but do not have a clear container so that if there are agents who have a problem, such as an agent of Prudential Life, and other insurance companies, there is no advocacy, legal and moral defense of the associations concerned. Conversely, if there are insurance agents who violate the code of ethics, then no sanctions, "he said.
Answering questions from AFP, he said, "My presence as a speaker here, just because intercourse alone and my ability in the field of life insurance. Therefore, I am sad to see many participants from Indonesia, about 100 people joined the meeting an agent here, the personal name which does not represent a nation.
Aplic meeting attended by about 10,000 people in Genting's agents, he said, enough to contribute to the tourism industry, because in addition to agents who joined the Congress, it turns out they also bring the family.
"If Indonesia has a container of insurance agents and registered as a member APFSA, it can be proposed Indonesia as the host at a gathering of life insurance agents who carried out once every two years," he said, adding, introduction to Indonesia through international forums to be done. Meanwhile, a number of Indonesian life insurance agents, like Michael and Janet, who took part in the meeting, wants the establishment of a container agents.
"We hope that, by 2009 Indonesia will host the meeting this Aplic, home this year, Indonesia already has life insurance agents association," said Michael.
PT. Bakrie Telecom Cooperation With Mega Life Insurance
PT. Bakrie Telecom and PT. Mega Life Insurance provides insurance protection to customers who use the feature Upland Esia (features used by customers when out of town).
"The increasing usage of Esia Upland, then we want to provide better service to loyal customers by providing protection Esia personal accident insurance," said Vice President Director of PT. Bakrie Telecom, Erik Meijer, in Jakarta, Wednesday (03 / 6).
These facilities, he said, automatically given to the customer after the customer to enable Esia Upland.
He said Bakrie Telecom in liaison with Mega Life provides personal accident protection program worth Rp1 million, for 45 days for customers who activate Esia Upland.
In addition, he said, there are also additional program that is personal accident insurance cover worth Rp50 million over 30 days, to customers who successfully recommends a new Esia customers.
"For those customers who were also recommended to get personal accident insurance cover worth Rp10 million after those customers refill at least Rp10 thousand," he said.
He said, customers who successfully recommends a new customer will also get bonus talktime on-net calls and SMS Rp5.000, each perekomendasian successful.
According to him, the number of cities served by the more extensive Bakrie Telecom, Esia has presence in 69 cities across the country.
"More and more cities are served by the cooperation with Megalife Life Insurance will provide benefits to customers Esia because they're out of town are covered by free insurance," he said.
"The increasing usage of Esia Upland, then we want to provide better service to loyal customers by providing protection Esia personal accident insurance," said Vice President Director of PT. Bakrie Telecom, Erik Meijer, in Jakarta, Wednesday (03 / 6).
These facilities, he said, automatically given to the customer after the customer to enable Esia Upland.
He said Bakrie Telecom in liaison with Mega Life provides personal accident protection program worth Rp1 million, for 45 days for customers who activate Esia Upland.
In addition, he said, there are also additional program that is personal accident insurance cover worth Rp50 million over 30 days, to customers who successfully recommends a new Esia customers.
"For those customers who were also recommended to get personal accident insurance cover worth Rp10 million after those customers refill at least Rp10 thousand," he said.
He said, customers who successfully recommends a new customer will also get bonus talktime on-net calls and SMS Rp5.000, each perekomendasian successful.
According to him, the number of cities served by the more extensive Bakrie Telecom, Esia has presence in 69 cities across the country.
"More and more cities are served by the cooperation with Megalife Life Insurance will provide benefits to customers Esia because they're out of town are covered by free insurance," he said.
Michael Jackson Life Insurance Only U.S. $ 3 Million
The rumor that Michael Jackson's life insurance reached a value of U.S. $ 13 million more are untrue. Recently the party who appointed him to manage legacy treasure called only received some U.S. $ 3 million just from the life insurance.
John Branca and John McClain, two people appointed by the late Michael to complete the division of property inheritance and take care of everything After the death of Michael, decided immediately to take care of this insurance problem. Some speculate that these two men did not want to get life insurance he could not be disbursed if proven drugs are the cause of death of the deceased.
ContactMusic also mention that there is a possibility of AEG Live will lose the opportunity to get insurance payments that reportedly reached a value of U.S. $ 17.5 million because insurance does not include deaths from drug abuse problem. Autopsy leaks both Michael, it was said, it mentions that propofol was the cause of heart attacks experienced Michael who eventually claimed his life late last June.
John Branca and John McClain, two people appointed by the late Michael to complete the division of property inheritance and take care of everything After the death of Michael, decided immediately to take care of this insurance problem. Some speculate that these two men did not want to get life insurance he could not be disbursed if proven drugs are the cause of death of the deceased.
ContactMusic also mention that there is a possibility of AEG Live will lose the opportunity to get insurance payments that reportedly reached a value of U.S. $ 17.5 million because insurance does not include deaths from drug abuse problem. Autopsy leaks both Michael, it was said, it mentions that propofol was the cause of heart attacks experienced Michael who eventually claimed his life late last June.
The Best Way To Alliviate Misfortune
Monday, March 29, 2010
Fortuities is something that can happen anytime and anywhere. Although you will never want you to lump dearests whatever happens, no fun with one fact of life that can not be anticipated before they also can not be ignored when they come to you. Was inevitable and one can run into in a road accident in the most unexpected and time in life. This can be all the more scary when it actually resulted in the loss of human life. Then again even if you come from traumatic situations your life, you'll be lucky if you are evicted.
Short-term damage at a time when you have an accident can be a harsh reality in your hand suddenly the world will be too difficult for you to bear. And the sad reality of financial Aftermaths be any more annoying if you do not have enough money. This can cause depression and for once, you will think as if life really is not worth it.
This is where insurance comes to the rescue. If you enjoy the security of accident insurance, then you'll be able to live most of your weight away from your shoulder that you will find yourself at the bottom after the tragic events. Accident insurance will give you something to defrayment for the days that you are not effective to work because of disability through you. In addition, this program will unremarkably covering most of the doctors * bills that eventually will accumulate during your treatment and thus, squeezing the medical bills will not be something that will come back to haunt you.
Most of the benefits of accident compensation will give you will be in terms of payment of the cost of your doctor and hospital bills. Another benefit of getting a kind of insurance program is that even if you come across an accident outside of work, you still will be eligible to take advantage of the benefits that come with it.
Some other benefits depending on your insurance plan that you can succeed is as follows:
The importance of having insurance can not be emphasized enough, although perhaps not appear that comprehensive for you if you have never experienced the tragic events in your life. But the question is why you have to wait for an accident occurs the ants then realized the value and benefits of accident insurance that can provide limitless as your major needs, is essential that you and your family are always protected from the drastic consequences of any major trouble than suffer the financial dilemma that comes with that later. Accident insurance program is something that every person should be responsible.
Short-term damage at a time when you have an accident can be a harsh reality in your hand suddenly the world will be too difficult for you to bear. And the sad reality of financial Aftermaths be any more annoying if you do not have enough money. This can cause depression and for once, you will think as if life really is not worth it.
This is where insurance comes to the rescue. If you enjoy the security of accident insurance, then you'll be able to live most of your weight away from your shoulder that you will find yourself at the bottom after the tragic events. Accident insurance will give you something to defrayment for the days that you are not effective to work because of disability through you. In addition, this program will unremarkably covering most of the doctors * bills that eventually will accumulate during your treatment and thus, squeezing the medical bills will not be something that will come back to haunt you.
Most of the benefits of accident compensation will give you will be in terms of payment of the cost of your doctor and hospital bills. Another benefit of getting a kind of insurance program is that even if you come across an accident outside of work, you still will be eligible to take advantage of the benefits that come with it.
Some other benefits depending on your insurance plan that you can succeed is as follows:
- Number of accidents unlimited coverage
- Accident insurance for families
- Payment in bulk to you or a family member who is still alive
- Benefits in case of fractures, dislocations, loss of limbs or even death
The importance of having insurance can not be emphasized enough, although perhaps not appear that comprehensive for you if you have never experienced the tragic events in your life. But the question is why you have to wait for an accident occurs the ants then realized the value and benefits of accident insurance that can provide limitless as your major needs, is essential that you and your family are always protected from the drastic consequences of any major trouble than suffer the financial dilemma that comes with that later. Accident insurance program is something that every person should be responsible.
Tips to increase your Sales with Life Insurance
Life Insurance promising clients requesting insurance people to connect with them about life insurance options that can be in accordance with their wishes. Insurance sales are those that support has to consult an insurance agent with a life insurance policy related. Instead of chasing people for forcing them to buy from you, life lead people to anticipate your call.
Depending on the needs that must be solved, there are various types of life insurance. One is the mortgage insurance leads, who may need life insurance to pay off the mortgage balance in the event of early death homeowners. There are also buying and selling leads, which requires that life insurance can be used to protect the interests of business partners to share their heirs. Another clue is the key person, which basically requires insurance to protect the business in the death of one of the key employees. Cause the final cost is a retired senior who could use a small whole life insurance policy to cover final expenses of death. Finally, there is life settlement leads, which already has a life insurance policy but wanted to sell the policy's death benefit at a discount to raise cash for current needs.
Agents never stopped and continued to explore the needs of potential customers to see the best insurance you need. If you are in the profession as a life insurance salesman, then you should really take advantage of the benefits that come from life insurance guide. Can really make a big difference. Instead of working long hours trying to find clues, with the sale of life insurance, you can spend your day at work talking to people who are really interested in what you say. Once you've started buying lead your life, you will realize that you will have more time in the day. Your work time will be filled with a meeting between you and the people who look for what you have.
Depending on the needs that must be solved, there are various types of life insurance. One is the mortgage insurance leads, who may need life insurance to pay off the mortgage balance in the event of early death homeowners. There are also buying and selling leads, which requires that life insurance can be used to protect the interests of business partners to share their heirs. Another clue is the key person, which basically requires insurance to protect the business in the death of one of the key employees. Cause the final cost is a retired senior who could use a small whole life insurance policy to cover final expenses of death. Finally, there is life settlement leads, which already has a life insurance policy but wanted to sell the policy's death benefit at a discount to raise cash for current needs.
Agents never stopped and continued to explore the needs of potential customers to see the best insurance you need. If you are in the profession as a life insurance salesman, then you should really take advantage of the benefits that come from life insurance guide. Can really make a big difference. Instead of working long hours trying to find clues, with the sale of life insurance, you can spend your day at work talking to people who are really interested in what you say. Once you've started buying lead your life, you will realize that you will have more time in the day. Your work time will be filled with a meeting between you and the people who look for what you have.
Tips Choosing the Right Life Insurance
Friday, March 19, 2010
Tips and accurate Choosing Life Insurance - Life insurance becomes a critical requirement related to financial planning. In recent years, unit-linked products, including life insurance category grew and gave a lot of offers. Should carefully before investing who have had this protection.
Choose products that provide space for customers to adapt to the needs and abilities. There is desirable products, because only by setting aside 10 thousand dollars per day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.
For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection, according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed such benefits because of work.
Syafriadi Hutagalung, manager of an insurance agent life insurance said, should be representative of insurance products and adapt to the needs of customers. "Customers should be involved in managing finances. Old model, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the present conditions, "explained the man who is often addressed to the Compass Adhie Female.
To ensure the product is safe, thorough financial institutions are also the product issuer. This can be seen from the professionalism of insurance agents. Ask whether the agent has a certification from the Indonesian Life Insurance Association (AAJI) for example. Could also recognize the company's performance by measuring against the insurance industry recognition. Award of a number of economic media company's performance, even the recognition of the world need to be taken into account.
Meanwhile, financial planners, Aidil Akbar Madjid said should select a pure life insurance. That means there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed by the publisher of unit-linked products. "Life insurance is a pure means of payment if the customer dies," said Akbar.
Akbar admitted many facilities provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Admittedly, the products in this advanced category can be very good for investment protection. But not necessarily compatible with each person.
Akbar advised people with incomes 2-3 million per month should choose other investment products. Investment products such as gold or precious metal deposits more appropriate. However, this option remains be returned to your needs, short, medium, long, and the risks.
We recommend that you select insurance products in more detail before discussing the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.
Source: kompas.com
Choose products that provide space for customers to adapt to the needs and abilities. There is desirable products, because only by setting aside 10 thousand dollars per day, you can pay a premium for the protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.
For example, changing the investment benefits, in this case raises, reduce, or even eliminate the benefits of protection, according to the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed such benefits because of work.
Syafriadi Hutagalung, manager of an insurance agent life insurance said, should be representative of insurance products and adapt to the needs of customers. "Customers should be involved in managing finances. Old model, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the present conditions, "explained the man who is often addressed to the Compass Adhie Female.
To ensure the product is safe, thorough financial institutions are also the product issuer. This can be seen from the professionalism of insurance agents. Ask whether the agent has a certification from the Indonesian Life Insurance Association (AAJI) for example. Could also recognize the company's performance by measuring against the insurance industry recognition. Award of a number of economic media company's performance, even the recognition of the world need to be taken into account.
Meanwhile, financial planners, Aidil Akbar Madjid said should select a pure life insurance. That means there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed by the publisher of unit-linked products. "Life insurance is a pure means of payment if the customer dies," said Akbar.
Akbar admitted many facilities provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Admittedly, the products in this advanced category can be very good for investment protection. But not necessarily compatible with each person.
Akbar advised people with incomes 2-3 million per month should choose other investment products. Investment products such as gold or precious metal deposits more appropriate. However, this option remains be returned to your needs, short, medium, long, and the risks.
We recommend that you select insurance products in more detail before discussing the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.
Source: kompas.com
Why You Need Life Insurance Family ?
Lately, we often read and view media coverage from print and electronic media about the series of accidents which occurred throughout Indonesia. Not infrequently, in addition to grabbing life, accident also resulted in the victim must undergo hospitalization. In addition to creating a sense of grief, this disaster is certainly require not less financial magnitude in order to restore the health of the victims.
At the same time, disease outbreaks were scattered all around us. When the threat of Dengue Fever became a routine in every change of season, other diseases also emerging, one that caused outbreaks of diarrhea and vomiting there are many people who have to undergo hospitalization. As a result, many families have to spend a large expense to the process of healing in the hospital.
Departure from the second incident, every family should begin to realize the importance of anticipating unexpected events with protective measures. In this context, I want to convey about the urgency to purchase health insurance policies for each family in order to protect any family members from a variety of unforeseen events in the future.
Dynamics of Health Insurance
In corporative, every employee who has status as permanent employees generally could have been provided with health insurance package from the company work.
That need to be a reflection, every family head should begin to count, whether the health insurance scheme and the ceiling of the company is enough to protect the needs of health protection for every member of his family?
When the health insurance scheme of the company has not been sufficient, each family needs to think about purchasing a life insurance policy on an individual basis. Generally, health insurance policy provided by a limited company and applies to the spouse and a maximum of three children by a certain age.
If you are an employee who has a child more than three, or will be moved to a specified age limit, of course there are family members who are not the cover. That's why you need to equip themselves with the purchase of individual health insurance policy so that all your family members get the maximum protection.
How it is with other professionals who are not protected by health insurance policies from the company? Surely they must be thinking since the early to protect themselves with health insurance. They may work as an art worker, aspirant certain professions such as freelance nature photographer, the merchants, grocery seller, or other professions that are not inherent in the company.
To avoid the huge expenses due to the emergence of a disease or an unexpected accident, every family should start thinking in this profession to be on guard to protect themselves through health insurance.
In general, almost all life insurance companies have a health insurance product. More than that, some of them that sell some type of health insurance. Life insurance industry players realize that the elements of health and fulfillment is an important aspect of family life and society, so they compete to provide quality products and services.
Of course, this condition is very profitable for every family or individual to be able to determine the choice of products according to their needs and financial capabilities. High degree of competition among actors in the insurance industry to provide health insurance policies surely will encourage the emergence of quality products, and it's easier for prospective policyholders to obtain health insurance products that best fit their needs.
Various insurance companies generally offer health insurance policies that have similarities in terms of products and benefits. That need to be taken by every family is a comprehensive aspect of the program offered. Should, have taken products include coverage for (1) father, mother, and children, (2) all kinds of diseases, both outpatient and inpatient care, including critical illness and disability; (3) operating costs, consulting doctors, cost of hospitalization, and medicines; (4) labor costs, both normal and Caesarean.
Pragmatically, the insured / policy holder does not need to pay anything when they have to undergo treatment, during treatment costs are still within the limits of coverage are borne by insurance companies. Policyholders also have many options because companies health insurance providers have worked with many hospitals and clinics, in accordance with the ceiling terskema funds in a life insurance policy the insured.
Given the cost of hospital care will be more expensive in the future, now is the time for every family to have a health insurance policy to protect any family members from a variety of unforeseen events. You do not delay and contact your insurance agent near you. Then, discuss with them about your health insurance needs and the family. Make sure your family's health protected, and all were preceded by the steps in protecting their anticipative you through the purchase of health insurance policy.
At the same time, disease outbreaks were scattered all around us. When the threat of Dengue Fever became a routine in every change of season, other diseases also emerging, one that caused outbreaks of diarrhea and vomiting there are many people who have to undergo hospitalization. As a result, many families have to spend a large expense to the process of healing in the hospital.
Departure from the second incident, every family should begin to realize the importance of anticipating unexpected events with protective measures. In this context, I want to convey about the urgency to purchase health insurance policies for each family in order to protect any family members from a variety of unforeseen events in the future.
Dynamics of Health Insurance
In corporative, every employee who has status as permanent employees generally could have been provided with health insurance package from the company work.
That need to be a reflection, every family head should begin to count, whether the health insurance scheme and the ceiling of the company is enough to protect the needs of health protection for every member of his family?
When the health insurance scheme of the company has not been sufficient, each family needs to think about purchasing a life insurance policy on an individual basis. Generally, health insurance policy provided by a limited company and applies to the spouse and a maximum of three children by a certain age.
If you are an employee who has a child more than three, or will be moved to a specified age limit, of course there are family members who are not the cover. That's why you need to equip themselves with the purchase of individual health insurance policy so that all your family members get the maximum protection.
How it is with other professionals who are not protected by health insurance policies from the company? Surely they must be thinking since the early to protect themselves with health insurance. They may work as an art worker, aspirant certain professions such as freelance nature photographer, the merchants, grocery seller, or other professions that are not inherent in the company.
To avoid the huge expenses due to the emergence of a disease or an unexpected accident, every family should start thinking in this profession to be on guard to protect themselves through health insurance.
In general, almost all life insurance companies have a health insurance product. More than that, some of them that sell some type of health insurance. Life insurance industry players realize that the elements of health and fulfillment is an important aspect of family life and society, so they compete to provide quality products and services.
Of course, this condition is very profitable for every family or individual to be able to determine the choice of products according to their needs and financial capabilities. High degree of competition among actors in the insurance industry to provide health insurance policies surely will encourage the emergence of quality products, and it's easier for prospective policyholders to obtain health insurance products that best fit their needs.
Various insurance companies generally offer health insurance policies that have similarities in terms of products and benefits. That need to be taken by every family is a comprehensive aspect of the program offered. Should, have taken products include coverage for (1) father, mother, and children, (2) all kinds of diseases, both outpatient and inpatient care, including critical illness and disability; (3) operating costs, consulting doctors, cost of hospitalization, and medicines; (4) labor costs, both normal and Caesarean.
Pragmatically, the insured / policy holder does not need to pay anything when they have to undergo treatment, during treatment costs are still within the limits of coverage are borne by insurance companies. Policyholders also have many options because companies health insurance providers have worked with many hospitals and clinics, in accordance with the ceiling terskema funds in a life insurance policy the insured.
Given the cost of hospital care will be more expensive in the future, now is the time for every family to have a health insurance policy to protect any family members from a variety of unforeseen events. You do not delay and contact your insurance agent near you. Then, discuss with them about your health insurance needs and the family. Make sure your family's health protected, and all were preceded by the steps in protecting their anticipative you through the purchase of health insurance policy.
advantages of a aluminum foil
Friday, March 12, 2010
In this post I will reveal about the advantages of a multifunctional aluminum foil. essentially aluminum foil is made of flexible material nature and easily formed. examples of products made of aluminum foil that is wrapped toothpaste, plastic packets and so forth. currently widely used aluminum foil for wrapping food cake or cookies that we often encounter in the market or shopping areas.
Aluminum foil is very useful, for example, aluminum foil paper only serves to wrap the food, cookies, chips, fruit and fast food product. if you have a cake-making business, aluminum foil is very well suited for your product packaging to make it look more neat and clean.
If you want to buy aluminum foil and you're having trouble finding a suitable place to buy and shopping I suggest alunium foil Alufoil Products Co., Inc as a shopping place an appropriate foil for foil products offer a cheaper price, quality aluminum products and is available foilnya various types of aluminum. Some aluminum foil product sold by Alufoil Products Co., Inc is a foil Board, Foil Paper, Foil Highlighting, confectioners foil, Food Service Foil, Foil Artists & Craft, Gift Wrap & Displays Foil and Aluminum Foil & Aluminum Sheet. if you have a business or a craft store food, aluminum foil is very well suited for packaging your product more attractive to customers.
Aluminum foil is very useful, for example, aluminum foil paper only serves to wrap the food, cookies, chips, fruit and fast food product. if you have a cake-making business, aluminum foil is very well suited for your product packaging to make it look more neat and clean.
If you want to buy aluminum foil and you're having trouble finding a suitable place to buy and shopping I suggest alunium foil Alufoil Products Co., Inc as a shopping place an appropriate foil for foil products offer a cheaper price, quality aluminum products and is available foilnya various types of aluminum. Some aluminum foil product sold by Alufoil Products Co., Inc is a foil Board, Foil Paper, Foil Highlighting, confectioners foil, Food Service Foil, Foil Artists & Craft, Gift Wrap & Displays Foil and Aluminum Foil & Aluminum Sheet. if you have a business or a craft store food, aluminum foil is very well suited for packaging your product more attractive to customers.
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