Business to Insurances

Life insurance become one important requirement related to financial planning. Recently, the unit-linked
products including life insurance category is growing up and giving a lot of offers. Carefully before investing should have also had this protection.

Choose products that provide space for customers to adapt to the needs and capabilities. There is a lucrative product, because only by setting aside 10 cents per day, you can pay a premium for protection and long-term investments. But not just cheap, you need to also examine the extent of adjustments that you can do.

For example, to change the benefits of investment, in this case raise, reduce, or even eliminate the benefits of protection, adapted to the amount of the premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed benefits.

Syafriadi Hutagalung, manager of a life insurance insurance agent said, should be representative of insurance products and adapt to customer needs. "Customers should be involved in managing finances. Models long, financial institutions acting unilaterally in possession of the product is irrelevant look at the current situation," said the man who is often called Adhie told Compass Female.

To ensure the product is safe, thorough financial institution issuing the product also. It can be seen from the professionalism of the insurance agent. Just ask, whether the agent has a certification from the Indonesian Life Insurance Association (AAJI) eg. It could also recognize the company's performance by measuring against the insurance industry recognition. The award of a number of economic media over enterprise performance world recognition even need to be considered.

Meanwhile, the financial planner, Aidil Akbar Madjid said you should select a pure life insurance. Meaning no payment from insurance companies for customers is still alive for the protection of certain diseases, who could claim to publishers unit-linked products. "Meaning pure life insurance payments are made if the customer dies," said Akbar.

Akbar admits many conveniences provided by the investor if it has a link unit. But the benefits to be gained are relatively small. Admittedly, the products in the category this advance could be very good for investment protection. But not necessarily compatible with each person.

Akbar advise people with an income of 2-3 million per month should choose other investment products. Investment products such as gold or precious metals deposits more precise. However, this option remains be returned to your needs, short-term, medium-, long-, and risk.

Should select the insurance product first discuss in detail the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell" products.


Source: kompas.com