Before discussing more about life insurance needs, I will discuss first on the definition of Life Insurance are as follows:
Definition of Life Insurance in accordance with Act No. 2 Year in 1992 reads like this:
"Life insurance is an agreement between two (two) or more parties with which the Insurer is bound by accepting premiums from insureds to provide a payment based on a person who dies or lives insured"
While the definition of Insurance pursuant to Article 246 of the Criminal Code of the Republic of Indonesia goes like this:
"Insurance or coverage is an agreement by which an insurer committed themselves to the insured by receiving a premium, to provide reimbursement to him for any losses, damages or loss of expected profit, which may be suffered because of a particular event that did not."
So in this definition is clear there are four elements involved which the Insured Party (insured), Party Insurers (insurer), One Events (Accidental / uncertainty), Interest (Interest).
planning-insurance-insurance jiwaJelas there a role for the interests of maintaining the economic value of one unfortunate event of death, so that those who abandoned or heirs can continue to receive a decent life with a certain amount of money available in the insurance policy agreement. So according to core functions that life insurance is used to transfer the risk of these deaths to the insurer (insurance company) so that the economic value of the insured (the insured) can be sustained.
Now you already can understand the intent and purpose of the protection of life on this one, so I do not need to linger and direct my insurance said it was necessary for people who are still in the productive years that have economic value or income is used for sustaining family life. Especially if your child is still a small child, how their future if the "pickup from the Top" came suddenly. Because we never know about the life of our lives, and this is referred to as an uncertain time of death even though we own all know that in fact it is the certainty of death for all people without exception.
However I see a phenomenon that was funny because sometimes some of those who already have excessive investment even has a passive income of life insurance aja still view this as a necessity, but ironically most people who do not have a lot of existing investments or passive income that the insurance rate is not too need because they think their money is limited. Precisely because of all limited, we increasingly need protection on this one to maintain the economic value so that only our family maintained its economic life, if an event of uncertain time for that to happen. However umunnya someone more established it will be increasingly aware of the importance of this issue. Believe it or not, the judge of your own!
How much life insurance coverage you need? Wait for next article.
Definition of Life Insurance in accordance with Act No. 2 Year in 1992 reads like this:
"Life insurance is an agreement between two (two) or more parties with which the Insurer is bound by accepting premiums from insureds to provide a payment based on a person who dies or lives insured"
"Insurance or coverage is an agreement by which an insurer committed themselves to the insured by receiving a premium, to provide reimbursement to him for any losses, damages or loss of expected profit, which may be suffered because of a particular event that did not."
So in this definition is clear there are four elements involved which the Insured Party (insured), Party Insurers (insurer), One Events (Accidental / uncertainty), Interest (Interest).
planning-insurance-insurance jiwaJelas there a role for the interests of maintaining the economic value of one unfortunate event of death, so that those who abandoned or heirs can continue to receive a decent life with a certain amount of money available in the insurance policy agreement. So according to core functions that life insurance is used to transfer the risk of these deaths to the insurer (insurance company) so that the economic value of the insured (the insured) can be sustained.
However I see a phenomenon that was funny because sometimes some of those who already have excessive investment even has a passive income of life insurance aja still view this as a necessity, but ironically most people who do not have a lot of existing investments or passive income that the insurance rate is not too need because they think their money is limited. Precisely because of all limited, we increasingly need protection on this one to maintain the economic value so that only our family maintained its economic life, if an event of uncertain time for that to happen. However umunnya someone more established it will be increasingly aware of the importance of this issue. Believe it or not, the judge of your own!
How much life insurance coverage you need? Wait for next article.
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