4 life insurance products that need to be understood in order to be a smart customer !!!

4 life insurance products that need to be understood in order to be a smart customer !!!
friends welcome to our blog. on this occasion we will discuss about life insurance, life insurance products, life insurance explanation, just this description.

 we would have been confronted with death. although death is an event that must happen, but death can be insured. why death can be insured? Well of course is to prepare you for the person who left. death is unpredictable and this is the cause of death can be insured. death classified into life insurance.life insurance consists of two elements, namely savings and protection. the majority of life insurance premiums are used for savings yangkelak on the due date of payment and the insured person is still alive will be given to the insured in accordance with the insurance policy. Life insurance serves as protection if the insured person dies before the payment due date.this is due to the compensation rights will still be given to the heirs of the sum assured on maturity payment of insurance premiums paid although not as big as the sum insured.
Life insurance is an insurance program that is organized with the aim to minimize the risk associated with the life or death of a person. risks associated with the life or death of a person who can be covered by insurance, for example, the risk of dying too soon, the risk of dying too long and the risk of disability. when these risks actually occur naturally troublesome many people, especially families. someone who died too soon would result in family income stopped. as well as someone who died too long or in a state of disability is certainly enlarge the family expenses. this situation certainly did not expect. we can fix this by selecting a life insurance product that suits our needs.in this life everyone has different needs. the level of capability that is used to meet the needs of different also. therefore, life insurance offers several products that provide different benefits for each type. according to the title in this article are 4 types of life insurance, four life insurance product that needs to be known.

4 LIFE INSURANCE PRODUCTS1. The term life insurance.Term life insurance is a life insurance product that provides protection against the insured during the insurance period by paying insurance premiums. term life insurance have different characteristics, such as the coverage provided during a certain period, the insurance protection is expressed in the form of an insurance policy. claim damages awarded if the insured person dies within a predetermined time period or the insured person dies during the insurance policies in force. if the insured person dies during the insured,the beneficiary will receive an agreed amount of coverage under the insurance policy, whether the insurance amount to fixed or fixed amount to the coverage and the coverage amounts to fixed and insured, amounting to decline. Term life insurance is needed by the insured person who wants to get temporary protection, low-income insured person and want to be protected, as well as the insured pigak who want to get great protection with lower insurance premiums.
2. Life insurance for life.life insurance is an insurance product that provide coverage for the lifetime of the insured person. in general, this type of insurance is also an element of savings. As for life insurance characteristics, providing protection to the insured with the insurance premium fixed amount. providing insurance protection and an element of savings, as well as more flexible because the insurance policy canpigak changed by the insured. life insurance needed by the insured party who want to ensure the long-term financial needs and the inghn prepare legacy.
3. Life insurance endowment.endowment life insurance are insurance products that provide coverage to the insured if he died or was hhdup on the date specified in the insurance policy. thus, the life insurance endowment has a characteristic, pemberhan protection benefits to the insured who died during the insurance period, the amount of insurance premium rates for the insurance period is fixed, the due date of payment of money pertanhungan by the insurer to the insured, and the acquisition in cash, more cepa. the endowment life insurance is generally required by the insured party who want to prepare for long-term savings. the insured person who wants to prepare for pension funds, education funds for children and others.


4. Insurance unit link.unit-linked insurance actually provide the same benefits as other life insurance. unit-linked insurance is an insurance product which provides multiple benefits such as life insurance benefits and investing cash. but when compared with other insurers. This insurance has the advantage that such an insurance policy is flexible because of its investment funds may be added or withdrawn. the facility is not allowed to leave the premium or pay for insurance at a certain time, and the periodic reports on transactions. in general, unit-linked insurance required by the insured party who think critically and easy for insurance products provide a double benefit packed into unit-linked insurance .. that type of life insurance is to know. 4 types of life insurance this may add insight and be a smart insurance customers. may be useful..

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