9 Ways to Succeed in The Insurance Business for Beginners and Professionals

<div dir="ltr" style="text-align: left;" trbidi="on"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7FOTnbQ-dncthTYFTf1zy-rAPW4idrhcNVfvBtPu3zEHTjRrF9JzPi9SmtR1RumB7x3LMYDd2g3qnEGwdGSwJWcnTHhjHIqqUUgPuSDrUPIJzuIRiwDJOcqk3pmCKJFDVhMXYHQGt8ew/s1600/Screenshot_226.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="473" data-original-width="792" height="382" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi7FOTnbQ-dncthTYFTf1zy-rAPW4idrhcNVfvBtPu3zEHTjRrF9JzPi9SmtR1RumB7x3LMYDd2g3qnEGwdGSwJWcnTHhjHIqqUUgPuSDrUPIJzuIRiwDJOcqk3pmCKJFDVhMXYHQGt8ew/s640/Screenshot_226.png" width="640" /></a></div> <br /> <br /> Public knowledge about the importance of insurance that is able to provide security to self-respect and property in the past has begun to increase significantly. This is what makes the insurance business increasingly attractive by many people, in addition to providing useful education can also bring a fairly large income.<br /> <br /> However, not infrequently many people fail to run an insurance business. This is especially popular with those who are still beginners and do not understand the true ins-outs of the insurance business. Because it is important to know that, doing business insurance is difficult-difficult and the main focus. When not an <b>insurance business</b> is run it will be difficult to achieve the word success<br /> <br /> But don't worry because there are some tricks that can be used in order to build an insurance business successfully.<br /> <br /> <b>1. Appropriate Insurance company</b><br /> <br /> Before starting an insurance business, all you need to understand and consider is choosing a bona fide insurance service company. In other words, many people are widely known and have a good track record. Because of the good and reliable insurance business, besides having a famous name also has a clean background. This can be known from a variety of information either through print media or online.<br /> <br /> Try visiting the website that covers the advantages and disadvantages of existing insurance companies. But try not to find information from the website directly, because only the benefits will be highlighted. A bona fide insurance company will definitely give an explanation about the product clearly. With the calculation of profit that is also clear and transparent, and which is not less important is to have certification of general insurance agents.<br /> <br /> Deciding to join an insurance company with a good background becomes an important thing that would later determine whether the insurance business that is followed will be successful or in the middle of the road.<br /> <br /> <b>2. Products offered</b><br /> <br /> After choosing a good insurance company, which greatly supports the success of the insurance business of course offered products. Because being part of a good company can certainly foster the confidence of prospective customers to the products offered. Many good products are offered but because of the knowledge of products that are less able to reduce the confidence of potential customers who eventually reject the product.<br /> <br /> If the knowledge of the products offered has not been adequately better, because this will affect prospective customers. Lack of insurance products will make the presentation to be less convincing and feels floating that eventually there are no prospective customers who are interested.<br /> <br /> <b>3. Work with Total</b><br /> <br /> Whatever you want to work with, both the insurance business and other businesses that you should most importantly do is work with the total and maximum. Total in work will make you do with the utmost and not play – play in marketing the insurance product in a way and more effort. So that prospective customers will also see it as your dedication in the work.<br /> <br /> Total In doing <b>Business insurance</b> you can do with a lot of things, and able to see the slightest opportunities. Therefore, the prospect of conducting the customer is not done by a half-heart or origin-of course.<br /> <br /> <b>4. Be consistent</b><br /> <br /> If it is already logged into business especially insurance business, then most importantly after a business that is focused and maximal then the no less important is consistent in doing the work. The effort done with the maximum and also consistent gradually will also be able to yield results.  Because consistency is a burden of responsibility not only on the <b>insurance business</b> that is undertaken but also to the customers who have been giving trust.<br /> <br /> Consistency in a business is important to Keberlangsunganya in the future because whatever business that is done without consistency will be like nonsense.<br /> <br /> <b>5. Communication skills</b><br /> <br /> Running an insurance business requires spun to have good communication skills. It is not a must to be a public speaker with reliable capability, but this is important in order to attract customers ' interest also provide education related to the products offered so as to create a comfortable and flowing atmosphere unlike is forcing prospective customers to purchase the products offered. While community skills are important in building <b>insurance business</b>, you don't have to be discouraged if you don't already have one.<br /> <br /> The most important thing is the effort and also want to learn to meet many prospective customers to introduce the product, so the ability of communication can be honed as time passes. Because good communication relates to other people, not just chestnut-only.<br /> <br /> <b>6. Sincere feeling</b><br /> <br /> The insurance business is as difficult as it is loaded with high social value. This is because in this business many prospective customers will be helped to make their long term financial planning better. Moreover, the product is very closely related to the long term financial plan such as health insurance, life, education, property and many other types of insurance.<br /> <br /> In addition to profit-oriented, the insurance business is also socially oriented that aims to help natural clients manage long term finances. If only profit-oriented, it is true that profit can be added but certainly will not be greater if socially oriented. In a sense, it is not pushy but educate about better long-term financial management. So that prospective customers will not feel compelled but will gladly accept the insurance product offered.<br /> <br /> <b>7. The team's recut</b><br /> <br /> Working alone is good because profits will be able to be enjoyed by yourself, but if you want an insurance business to grow then it should be decided to recruit an agent and build a solid team. This is important, because in addition to increasing profitability more, it can also help maintain consistency as well as build motivation to be more stable.<br /> <div style="text-align: left;"> <br /></div> This is because each member can exchange experiences and thoughts to help each other solve the problems faced when meeting potential customers. Because a successful insurance business is also due to a solid team power factor.<br /> <br /> <b>8. Focus on objectives</b><br /> <br /> Running an insurance business just like any other business should focus on goals. Because of the extraordinary effort but without a clear purpose, the same nonsense. So running an insurance business should focus on a goal that you want to accomplish.<br /> <br /> <b>9. Set a Goal</b><br /> <br /> In doing business it is important to run it with a goal or goal, so every effort will be oriented towards the goal so that nobody is in vain. Set goals ranging from the smallest, short-term ones like goals per day, week or month. Then set and goals for a longer term, it's important to maintain self-motivation as well as the team.<br /> <br /> Thus, a successful way of the <b>insurance business</b> is likely to be attempted. In doing business failure risks are definitely lurking, but with a strong determination, a business will run smoothly.</div>

9 Ways to Succeed in The Insurance Business for Beginners and Professionals

Public knowledge about the importance of insurance that is able to provide security to self-respect and property in the past has begun ...

Read more »

Get an online life insurance quote today

<div dir="ltr" style="text-align: left;" trbidi="on"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0s95ahSJsRhraNnogCCMlZh5HQ0SZhdEqhfI3870Ikn5uqiSO8Q903_r3YPZ7_YgkhHjvFZRwrgK1ixQPT4Mye-Jz-wfqDFPw9XzI3m1hfGrv6IHiWMDJizVlaFOTI7EyyHVIiCK7Jes/s1600/Screenshot_224.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="370" data-original-width="591" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj0s95ahSJsRhraNnogCCMlZh5HQ0SZhdEqhfI3870Ikn5uqiSO8Q903_r3YPZ7_YgkhHjvFZRwrgK1ixQPT4Mye-Jz-wfqDFPw9XzI3m1hfGrv6IHiWMDJizVlaFOTI7EyyHVIiCK7Jes/s640/Screenshot_224.png" width="640" /></a></div> <br /> <br /> <b>Health insurance</b> is important to have at this time. One is because the products offered can be received in many hospitals and can provide protection of various health risks. Not only that, health insurance can be used for normal to critical illness.<br /> <br /> <b>Health insurance</b> is a product that has many benefits. From replacement of money or provision of health services, caused by illness, work accident, personal accident in addition to work accidents, until the replacement of lost income due to a disease or experiencing an Accident. Health insurance is usually also bundled with <b>life insurance</b> that can provide compensation when a person dies.<br /> <br /> This means that all costs related to health such as hospital expenses, doctor fees, drug costs, and even operating costs will be borne by the insurance company, which is adjusted to the content of the agreements stated in the health insurance policy that you Have.<br /> <br /> Sickness and accidents can come anytime and anywhere. Health insurance provides the right benefits for you and your family (if included), as it specifically guarantees the cost of health or care of family members if they fall ill or have an accident. One of the functions of <b>health insurance</b> can also cover a lot of the costs of hospitals.<br /> <br /> <span style="font-size: large;"><b>Definition of health insurance</b></span><br /> In particular, the definition of health insurance is a type of insurance product that guarantees the health costs or care of the participants if they fall ill or have an accident. In health insurance, there are two types of treatment offered by insurance companies, namely in-patient treatment and out-patient treatment.<br /> <br /> Some insurances also cover the cost for room accommodation, ICU accommodation, doctor consultation, specialist doctor consultation, surgical action, outpatient, home care, ambulance service, blood Wash, and more. Some insurance also provides cost facilitation for critical illness.<br /> <br /> <span style="font-size: large;"><b>Documents in Need</b></span><br /> Completed Insurance Submission Form<br /> Photocopy/Scan KTP<br /> Birth certificate<br /> Family Card<br /> First Premium Payment<br /> <br /> <span style="font-size: large;"><b>How to claim Insurance</b></span><br /> In general, there are three insurance claim payment systems that can be done, namely reimbursed, cashless, and compensation.<br /> <br /> The reimbursed system is a health insurance claim facility where an insurance participant has to pay or cover any existing medical expenses from your personal money first. It is then charged to the health insurance company by attaching payment receipts received from the hospital.<br /> <br /> Whereas, insurance claims with the cashless system is that when you want to pay a fee, you simply show the card of the insurance participant to the hospital who is the partner of the insurance company where we are members.<br /> <br /> Furthermore, the hospital will forward the bills to the health insurance company in question. However, usually the health insurance premiums with this cashless system are slightly more expensive than the reimbursed system.<br /> <br /> Furthermore, the compensation claim system is where the insurance company will provide daily compensation during your hospitalized. The amount of compensation is usually previously agreed between you and the insurance company.</div>

Get an online life insurance quote today

Health insurance is important to have at this time. One is because the products offered can be received in many hospitals and can prov...

Read more »

Health Insurance Australia

<div dir="ltr" style="text-align: left;" trbidi="on"> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg72tUB-Bi4LGFRMwyzktZuggs846IwnmSKBx4G28WQrhf-3r5EIxClWDwLlQpr1btFGwtZh2srcpfnyU8wIt8zRNLAaUuGmjdmS5F10DontaUYhegSxG8NSQQz8md_8Tg5MAQAX13r-K0/s1600/Screenshot_208.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="455" data-original-width="1196" height="241" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg72tUB-Bi4LGFRMwyzktZuggs846IwnmSKBx4G28WQrhf-3r5EIxClWDwLlQpr1btFGwtZh2srcpfnyU8wIt8zRNLAaUuGmjdmS5F10DontaUYhegSxG8NSQQz8md_8Tg5MAQAX13r-K0/s640/Screenshot_208.png" width="640" /></a></div> <br /> <b>Benefits of using Australian health insurance</b><br /> <br /> <b>Millions of benefits of using medical insurance during college in Australia</b><br /> <br /> Maybe when you hear insurance, you will think of a guarantee for something. Car insurance – Car guarantee, home insurance – Home guarantee, etc. What about health insurance? Yup, guarantees your health.<br /> <br /> For those of you who will/have studied in Australia, you are obliged to have health insurance, which lasts during your study period in Australia (this is important). This health insurance (like the above sense), will guarantee your health while in Australia if something goes undesirable (e.g. sick).<br /> <br /> What happens if you are sick?<br /> <br /> You might:<br /> <br /> - Go to the doctor (pay consultation)<br /> - Buy medicines at pharmacies (pay medication)<br /> <br /> If the pain is not cured<br /> <br /> - Go to the doctor (pay consultation)<br /> - Brought to the hospital (pay administration)<br /> - Using Ambulance (pay administration)<br /> - Inpatient (Pay operations)<br /> - Using Drug & infusion (pay medication)<br /> See the word pay there? Without you realize all that will add, up to millions – millions.. Especially with you who still have to go to college, and when you work, you can not earn income because of this illness.  So, parents are worried, lectures Gigandet, and the supply of money is thinning because it does not work. "Baby Nutmeg"<br /> <br /> Create a curious, medical consultation fee in Australia around AUD 50/consultation (IDR 500 Thousand). Just like a fine fee if using public transportation without a ticket. How sick headache try.<br /> <br /> Surely you don't want this to happen? The...<br /> <br /> And this is where health insurance can help you.<br /> <br /> With upfront payment (for students, about 5 million/year), you will be covered for 365 days, which includes<br /> <br /> - Go to the doctor (free Consultation fee )<br /> - Buy medicines at Pharmacies (refunds )<br /> - Brought to the hospital (free )<br /> - Using Ambulance (FREE )<br /> - Admission (FREE )<br /> - Using Drug & Infusion (FREE )<br />  Each insurance body has a network of hospital partners and doctors who cooperate with them. When you use a partner outside the network, chances are you have to pay yourself. Consult the agency/provider of the insurance policy.<br /> <br /> For some people, it may be absent in the payment of insurance above (feeling too healthy or other reasons). However, please note that this insurance is mandatory for you to take your college application in Australia. And as we explained above, when you are in college for 3 years, then the insurance paid is 3 years (in some cases, there are some additional months, until you graduate later). And everything is paid upfront. (already rules, cannot be negotiable – bargaining).<br /> <br /> There are about 4 health insurance providers in Australia, which provide this type of insurance (OSHC). As with any market, they have prices and different profits. But broadly, for consultation and the cost of stay is free.<br /> <br /> They are:<br /> <br /> <b>NIB (<a href="http://www.nib.com.au/"><span style="color: #0b5394;">nib.com.au</span></a>)</b><br /> <b>BUPA (<a href="http://www.bupa.com.au/"><span style="color: #0b5394;">bupa.com.au</span></a>)</b><br /> <b>Medibank (<a href="http://www.medibank.com.au/"><span style="color: #0b5394;">medibank.com.au</span></a>)</b><br /> <b>Allianz (<a href="http://www.allianz.com.au/"><span style="color: #0b5394;">allianz.com.au</span></a>)</b><br /> They also have a fee calculator for cost estimation.<br /> <br /> If you are outside Australia and want to pay for this insurance, in addition to the cost of the calculator, you should also consider the cost of transferring money to Australia, and the administrative costs of banks in Indonesia (all of which sometimes make Budget).<br /> <br /> Why not make a payment from Indonesia, without bank fees and the same price? We of Education ONE is an Australian education consultant who helps many students to continue studying in Australia, which has offices in Bali and Perth (Australia).<br /> <br /> With this, you only pay an insurance fee (with Australian rate on that day) at our Bali office, and we will pay it to our insurance provider through our Australian office. The result you can get that day as well. Great!</div>

Health Insurance Australia

Benefits of using Australian health insurance Millions of benefits of using medical insurance during college in Australia Maybe when...

Read more »

What is Travel insurance?

<div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPqLAj8bQgysTk8buzCaTmpHuB2XM9x8N3vy-z_XmzJ8EM09bVR4l1xJB7p0de_RzUpzJr2QPAUXzG99N5u7QveL3zSVa47MFM_u_g1b7S0a6Tfj_MoXXvEKTDtzFeOIFH5JLVpgXCM8o/s1600/Screenshot_206.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="368" data-original-width="654" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPqLAj8bQgysTk8buzCaTmpHuB2XM9x8N3vy-z_XmzJ8EM09bVR4l1xJB7p0de_RzUpzJr2QPAUXzG99N5u7QveL3zSVa47MFM_u_g1b7S0a6Tfj_MoXXvEKTDtzFeOIFH5JLVpgXCM8o/s640/Screenshot_206.png" width="640" /></a></div> <br /> <span style="font-size: large;"><b>What is Travel insurance? </b></span><br /> <b>Travel insurance</b> is a type of insurance that is intended to provide protection during your travels. Travel insurance does not belong to the type of insurance that must be owned. This insurance is preferred for those of you who do like to travel well out of the city to the country and its functions are only protected when going on a trip.<br /> <br /> But lately, travel insurance products are quite popular among the community and its nature is more flexible than other types of insurance makes many people also have travel insurance products. Especially those traveling hobbies and whose job does require routine travel to several places. A holiday is indeed a favorite activity for everyone, especially for those who have a hectic schedule for everyday activities. For busy people, holiday time must be used exclusively and in quality. Some people choose to travel abroad to fill their time off.<br /> <br /> Before going on a holiday trip, we will usually prepare some important preparations such as leave permit, booking flights and lodging places, check passport and visa readiness, and register for travel insurance. Travel insurance is used for emergency purposes when traveling out of the country, something you do not want on your own. This insurance is very important to note before traveling abroad so that your trip is comfortable and not feel the way.<br /> <br /> <span style="font-size: large;"><b>Why travel insurance is mandatory?</b></span><br /> There have been many countries that require their turners to have travel insurance or are not allowed to enter when it is proven not to be registered as a <b>travel insurance user</b>.<br /> <br /> For example, countries in Europe and even Asia who have imposed the rules must have this travel insurance when they will visit their country. So if you want your trip to be comfortable, smooth and protected, then registered to be proprietary travel insurance is certainly recommended. As with any online loan application, you can apply for travel insurance products through the app or directly through the website.<br /> <br /> <span style="font-size: large;"><b>What are the benefits of travel insurance?</b></span><br /> <b>Travel insurance</b> is required for travelers to protect them from risk during the trip. Of course, while on vacation you shouldn't feel the unexpected risk. In general, the benefits of <b>travel insurance</b> are protecting the traveler against the following matters.<br /> <br /> Personal protection from accident risk:<br /> These protections include reimbursement of money in the event of a risk to death, loss of limbs, or total paralysis due to accidents occurring during the trip.<br /> Dual protection for scheduled commercial aircraft accidents:<br /> Compensation for personal accidents will be duplicated if an accident occurs on a scheduled commercial airplane.<br /> Reimbursement of emergency medical expenses:<br /> travel insurance offers the benefits of emergency treatment.<br /> Repatriation of the body in case of death risk:<br /> Insurance can protect the insured for two alternative protections include the cost of repatriation of the body or the cost of cremation or burial in the location where the death occurred.<br /> Child care and grief visit in one relative or family<br /> Insurances can provide reimbursement of the cost of a brief visit or during treatment given to one relative or family if the insured undergo treatment during the trip or during hospitalization abroad.<br /> Medical evacuation: Travel insurance offers assistance facilities 24 hours in emergencies around the world.<br /> Baggage and personal belongings protection: In the event of any damages incurred due to the loss and damage of your baggage, including the goods in it or the goods you use during the trip, the travel insurance will compensate If there are more than 12 hours baggage delay.<br /> protection against travel delays (usually transportation delays of more than 12 hours), reimbursement of advances that expire due to things That are outside the policy holder's authority and accommodation fee.<br /> Home protection: In case of a disaster such as a fire in your home, during travel, then the travel insurance will pay the damage caused by a fire on the contents of the insured house that is left empty because of the trip done.<br /> <br /> <span style="font-size: large;"><b>What are the types of travel insurance?</b></span><br /> Travel Insurance has many types where each function is different and of course, it has been adapted to the needs of people who often travel.<br /> <br /> Based on how many travels: There are two types of travel insurance when viewed from how many trips will be made within a certain period of single trip insurance that is intended for you that will only do Travel several times a year (not routine). Next, there is annual travel insurance that is devoted to you who can travel even once a week either for the purpose of the travel agency or just a vacation during the period of 1 year.<br /> <br /> Based on the number of people to be borne: for this type of travel insurance is determined based on how many people will be borne in one insurance account. Individual Travel Insurance is certainly for one person only in one personal account travel insurance. Then there is a group travel insurance which is usually used by a company for its employees that are often departed for the travel of the service, and can also to the whole of the family when going to do the holidays together.<br /> <br /> Based on the purpose of traveling: In doing a journey, of course, the purpose of people is not always the same. Travel insurance for those who travel because of destinations for traveling or business travel and insurance that is devoted to those traveling for work or business purposes.<br /> Based on travel destinations: For those of you who travel often but only up the city can choose to have travel insurance for domestic travel and for those who often travel even to the exit The country can choose the travel insurance for international trips.<br /> <br /> Student Assist: This travel insurance is devoted only to the students who will continue his education abroad.<br /> Special travel Insurance (Hajj and Umrah): Insurance that is often offered to you when going to do Hajj and Umrah is included in the travel insurance that will protect you during the worship in the Holy Land.

What is Travel insurance?

What is Travel insurance?  Travel insurance is a type of insurance that is intended to provide protection during your travels. Travel i...

Read more »

All about car insurance: car insurance that must be known

<div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDuS4-t3cI-n1Fl-2gct5IpmGnjXLnU0dqkwSYgvCpHJ-VynxxRkuO2X7P79zX2ywpsAezlVjyQJ6hnMLU99OgWnTodFFsHrgZ8nM-5gg_1rAZe8wFvvD62tgbQ9xDn6HeedZthTimakE/s1600/Screenshot_196.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="369" data-original-width="552" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDuS4-t3cI-n1Fl-2gct5IpmGnjXLnU0dqkwSYgvCpHJ-VynxxRkuO2X7P79zX2ywpsAezlVjyQJ6hnMLU99OgWnTodFFsHrgZ8nM-5gg_1rAZe8wFvvD62tgbQ9xDn6HeedZthTimakE/s640/Screenshot_196.png" width="640" /></a></div> <br /> The higher the level of community life, especially in urban areas, the demand for car purchases and insurance also increases.<br /> <br /> It is not wrong that the car is one of many people's vehicle dreams. This makes cars a very valuable vehicle and should be well maintained. The price is quite expensive, certainly makes everyone do not want the bad thing to happen to the car owned.<br /> <br /> Therefore, it is very important to have vehicle insurance on a new car. Unfortunately, not many people know the benefits of new <b>car insurance</b>. This is due to a lack of information about the benefits of insurance in your new car.<br /> <br /> <span style="font-size: large;"><b>It is a fact to know about car insurance</b></span><br /> <br /> Sometimes insurance acquired when owning a new car, is an <b>insurance</b> offered by an insurance company that has teamed up with a car company. So the car owners do not understand exactly the advantages and benefits of insurance that they have.<br /> <br /> Not least that let the car company or car hire to choose an insurance company that will be used as the person in charge of their car. In fact, it is important to carefully understand the insurance for new cars to be used.<br /> <br /> If someone has car insurance, then he will get some benefits. The insurance application is now easier because it can be done online.<br /> <br /> The first benefit of car insurance, of course, minimizes car owner losses. For example, in the event of an accident that causes minor or heavy damage, the car is lost due to theft, natural disasters, and more. When using this type of insurance all risk, it will provide comprehensive protection for the car.<br /> <br /> Some risk insurance providers, such as <b>ACA</b> <b>car insurance</b>, <b>Garda Oto</b>, and <b>Simasnet</b>.  "Which is one of the biggest benefits of insurance owners is its status as the insured. With this status, the insurance owner's financial position can return in case of a loss, "he said.<br /> <br /> The next benefit is the insurance owner can be quieter because it has a guarantee in case of accidents or other disasters in the car. Have insurance equals to transfer the risk of the car owner to the insurance company that has been selected.<br /> <br />  "By paying the premium to the insurance company, the car owner can transfer the risk of car protection guarantee issue to the insurance company of its choice," he explained.<br /> <br /> <span style="font-size: large;"><b>All Risk and TLO</b></span><br /> <br /> There are two types of insurance that can be chosen by new car owners; All risk or comprehensive insurance and TLO. For all risk or comprehensive insurance, the company will pay claims for all kinds of damages, ranging from mild damage, severely damaged, to loss.<br /> <br /> In the case of the example, the car is unwrapped by public transport, minor damage that makes the car less comfortable to be seen. In this case, the claim can be done if the insurance is comprehensive insurance.<br /> <br /> As for Total Lost Only Insurance (TLO), it only guarantees the risk due to theft and damage if the cost of repairs is estimated equal to or exceeds 75 percent of the vehicle price shortly before the loss. Total Lost Only Insurance (TLO) is chosen because the premium price is relatively cheaper than all risk insurance. With a low premium fee, you can switch funds available for other needs such as vehicle maintenance costs.<br /> <br /> Basically, insurance frees you from the extra cost that should be incurred when there is damage to the car. Imagine if you don't have insurance when the car is damaged, you have to withdraw your personal funds to replace the spare parts.<br /> <br /> Car insurance is not only useful for insurance owners and car drivers only. There is also a choice of coverage that can cover the damage of other riders ' cars due to your negligence, so you do not need to panic and dizziness because the damage will be replaced by the insurer.<br /> <br /> <span style="font-size: large;"><b>Vehicle insurance increases</b></span><br /> <br /> Early in 2018 became a pretty sweet period for the vehicle insurance business. How not, premiums that Diraup insurance companies from this line of business are increasing quite significantly.<br /> <br /> The Indonesian General Insurance Association (AAUI) noted that during the first quarter of this year the premium insurance business line reached Rp 4.79 trillion. This amount increased 16.9 percent from the same period in the past year reaching Rp 4.1 trillion.<br /> <br /> Executive Director of the Indonesian General Insurance Association (AAUI) Dody AS Dalimunthe believes, in quarter II of this year general insurance performance will increase due to the effect of Ramadan and Lebaran. At the beginning of this year, the vehicle and property insurance business Line became a major contributor to general insurance.<br /> <br /> The premium increase obtained from the vehicle insurance line is not separated from the automotive market in early 2018. Unlike the conditions at the beginning of last year where vehicle sales were not too passionate. "So practically the acquisition of premium from vehicle insurance is increasing quite large," he explained.<br /> <br /> Car sales in the first quarter of this year recorded reaching 291,912 units. This number increased 2.85 percent from the same period in the year 2017 ago which was as many as 283,819 units.<br /> <br /> Another contributing factor is that more and more vehicle insurance players are actively looking for a wider market. Not only utilize cooperation with leasing in marketing vehicle insurance to debtors. This distribution channel has been a mainstay of general insurance in selling these products.<br /> <br /> Now, you don't have to think a long time ago to have insurance on a new car. In addition to keeping your assets in high value, you also don't think too much about additional costs when your car gets damaged when things happen to be undesirable. So wait no more? Have insurance on your new car.

All about car insurance: car insurance that must be known

The higher the level of community life, especially in urban areas, the demand for car purchases and insurance also increases. It is not...

Read more »

Various types of life insurance to know

<div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgB_ugAiHmXaosxaKcLqL7YwnrrLruGSqF2mlR7YdFzCLp-kae4jWiKER8YC1GAv8n0iotA-7XcW_EAvQekGIvMmfrksMChhyHDDtK9ZBnDIA-w-IZhYgJ1A6o4tSqqbco3Q41Lp-1dyXc/s1600/Screenshot_194.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="490" data-original-width="790" height="396" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgB_ugAiHmXaosxaKcLqL7YwnrrLruGSqF2mlR7YdFzCLp-kae4jWiKER8YC1GAv8n0iotA-7XcW_EAvQekGIvMmfrksMChhyHDDtK9ZBnDIA-w-IZhYgJ1A6o4tSqqbco3Q41Lp-1dyXc/s640/Screenshot_194.png" width="640" /></a></div> <br /> On this occasion, I will discuss <b>life insurance</b>. Do you already know what <b>life insurance</b> is?<br /> <br /> Life insurance is a contract agreement between you as a policyholder or an insured with an insurance company as an insurer where the insurance company will pay a nominal amount of money if there is a risk of death against the parties Insurance policyholders.<br /> <br /> You as the insured shall pay a premium which will be beneficial to provide reimbursement for the risk of your death.<br /> <br /> In other words, <b>life insurance</b> is a type of insurance that aims to bear people against unexpected financial losses, caused by the insured passed away.<br /> <br /> As with the ownership of health insurance, this life insurance can be purchased for self-interest and on behalf of the insured alone or purchased for the benefit of a third person. For example, a husband can buy life insurance with his wife as the insured, or the parents can also buy life insurance with his child as the insured.<br /> <br /> There are several types of life insurance, but before discussing these types of life insurance, it's a good idea to know in advance some of the reasons why life insurance is so important to you.<br /> <br /> <span style="font-size: large;"><b>Why need to buy life insurance?</b></span><br /> <br /> Top reasons why it should have <b>life insurance</b><br /> <br /> <b>1. As protection against loss of income for families</b><br /> <br /> No one knows what will happen tomorrow, including you. In anticipation of your chances of getting hit and leaving the family you are passionate about forever, you need to buy a life insurance policy so that your family can get the sum insured for life after you leave.<br /> <br /> <b>2. As a protection for death risk due to diseases of the major causes of mortality</b><br /> <b><br /></b> Based on a survey conducted by the World Health Organization <b>(WHO)</b> in 2002, the 10 main causes of death in Indonesia are coronary heart disease, tuberculosis, vascular abnormalities, respiratory diseases, newborn diseases, lung disease, Traffic accidents, diabetes, high blood, and diarrhea.<br /> <br /> These diseases are quite common, so it is important that you have the protection of the risks infected with the disease and died.<br /> <br /> <b>3. One way to save or prepare for retirement</b><br /> <b><br /></b> Saving on life insurance is the best alternative choice for your long term needs due to the nature of regular premium payments, mandatory, and not easily taken at any time.<br /> <br /> <span style="font-size: large;"><b>Types of life insurance</b></span><br /> <br /> <div class="separator" style="clear: both; text-align: center;"> <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6g0DL3XJrcOqBNtN3Qapqk1aHGvOHmRCe-blfziliC5N-fNqZVJRY1eL2LhsWBIfkFvNVBqKgz2hSEXwzi4raguswn-xNZTdIdLE6aUdLjf3_t7IMwI9_P3hnnKw7y9Hhv6wu-wcwxIo/s1600/Screenshot_195.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="491" data-original-width="785" height="399" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi6g0DL3XJrcOqBNtN3Qapqk1aHGvOHmRCe-blfziliC5N-fNqZVJRY1eL2LhsWBIfkFvNVBqKgz2hSEXwzi4raguswn-xNZTdIdLE6aUdLjf3_t7IMwI9_P3hnnKw7y9Hhv6wu-wcwxIo/s640/Screenshot_195.png" width="640" /></a></div> <br /> Types of <b>life insurance</b> you need to know<br /> <br /> There are several types of life insurance products which of course each have different benefits. These types of life insurance aim to serve a wide range of needs, capabilities, and purchasing power of society. Please listen to any of the following types of life insurance:<br /> <br /> <b>1. Term Life Insurance</b><br /> <br /> Term life insurance is the function to provide protection to the insured within a certain period of time. This life insurance usually offers a contract for 5, 10, or 20 years, with fixed and calculated premiums.<br /> <br /> You are recommended to choose this type of life insurance if you prioritize the future of your family especially the child's education. Suitable for those of you who have a need for large insurance costs but have limited financial capabilities.<br /> <br /> <b>If you choose this life insurance, some of the benefits are</b>:<br /> <br /> You as a policyholder gain freedom in determining the amount of premium according to your ability.<br /> Sum insured that you can earn as a policyholder can reach the number of billions rupiah. That is, if the insured dies when the contract is still active, then the insured family will get substantial coverage money.<br /> <b>Meanwhile, the disadvantages of this type of life insurance are</b>:<br /> <br /> The insured can lose the premium money that has been paid or the premium is forfeited once the contract is completed if not experiencing health problems or death until the completion of the contract.<br /> <b>2. Whole Life Insurance</b><br /> <br /> Life insurance type Lifetime or whole life insurance provides lifetime protection, although usually, insurance companies limit the benefits of protection up to only 100 years.<br /> <br /> This life insurance is recommended for those of you who have no dependents and want more benefits than just death, or you are interested in the idea of long term savings.<br /> <br /> So, if you want the protection of life, as well as savings for emergency needs e.g., pay a hospital bill fee, you may consider buying this type of life insurance policy.<br /> <br /> <b>The advantages of this type of life insurance are</b>:<br /> <br /> Policyholders are possible to obtain the cash value of the premiums paid.<br /> If you are not able to pay the premium installment periodically, you can use the cash value of the premiums paid to pay the next premium.<br /> The insurance premiums that you have paid will not expire if there is no claim.<br /> When the contract expires, the sum insured will be given entirely.<br /> Meanwhile, the drawback is:<br /> <br /> The premiums are bigger than the term life insurance premium, and can even reach more than twice the fold. The reason of this high premium is because the figure of life expectancy of Indonesian people only 65 years for men and 70 years for women, so the possibility of insurance claims before the period of protection ends higher.<br /> The cash value of the total premiums paid is not too large because the interest in this insurance is usually only 4% per year, and this number has not been tax deducted.<br /> <b>3. Endowment Insurance</b><br /> <br /> This type of dual life insurance or endowment insurance as the name implies is an insurance that has two benefits, namely as a <b>life insurance</b> futures and savings.<br /> <br /> This means that you as a policyholder can obtain a cash value from the insurance premiums that you have paid in the form of sum insured if the insured dies in a certain period in accordance with the policy of the relevant insurance policies and can also The insurance policy within a certain period of time before the contract expires.<br /> <br /> This type of life insurance is recommended for those who prefer to ensure the availability of education funds for children, want to have funds for the unexpected needs in the future, and want to have a bigger pension fund.<br /> <br /> <b>The advantages of this type of life insurance are</b>:<br /> <br /> As explained above, you can claim this life insurance policy before the expiry of the contract, for example for your child's education fund. However, this withdrawal can only be done once in a period of several years according to the agreement that has been made.<br /> If for example, you as the insured is still alive when the term expires, you will get all coverage money.<br /> <b>Meanwhile, the drawback is</b>:<br /> <br /> Because this type of life insurance has two benefits, which like combining the benefits of life futures insurance with life insurance for life, so it is very large enough, can reach millions of rupiah per month.<br /> <b>4. Unit Life Insurance Link</b><br /> <br /> This type of link unit life insurance combines the benefits of insurance with investment and is most often offered by insurance agents. If you are interested in investing but do not understand the investment and want to keep your soul still getting protection from death, you can choose this type of life insurance.<br /> <br /> <b>The advantages of this type of life insurance are</b>:<br /> <br /> You as a policyholder not only get guaranteed protection but also investment returns with high enough interest annually.<br /> While the disadvantages are:<br /> <br /> The return on investment is less significant compared to pure investments such as stocks, money markets, or mutual funds. If you are looking for a great advantage of investing, you should not rely on unit link life insurance.<br /> The sum insured that will be obtained is low, especially if the investment fails or only generates a small profit.<br /> Wondering how to find the best and cheapest health insurance? Look at the solution!<br /> <br /> <span style="font-size: large;"><b>Research before buying</b></span><br /> You should remember that before you buy a <b>life insurance</b> policy, you are advised to find as many information as possible and compare the offers of some insurance companies related to the protection offered and the magnitude of the premium You have to pay and adapt to your ability.<br /> <br /> Choose a life insurance or health insurance company from reputable private insurance companies such as <span style="color: blue;">Prudential</span>, <span style="color: blue;">BNI Life</span>, <span style="color: blue;">AIA</span>, <span style="color: blue;">Cigna</span>, <span style="color: blue;">Allianz</span>, or <span style="color: blue;">Sinarmas</span>.<br /> <br /> Also, consider the number of your dependents and the needs of any funds that will arise in the future in choosing this type of life insurance. The point is that you need to do careful planning according to the needs before choosing the life insurance product that you will buy so that the protection benefits you get from the insurance product is optimal. Remember, the meticulous principle before buying also applies to <b>life insurance</b> products so you don't feel harmed.

Various types of life insurance to know

On this occasion, I will discuss life insurance . Do you already know what life insurance is? Life insurance is a contract agreement b...

Read more »