Saturday, 18 October 2014

Various Kinds of Insurance and The Insight

We'll share all sorts of insurance, so that you will be a little aware of the several types of insurance that exist .
In the insurance world , there are various types of insurance .Obviously with the workings and requirements are different .So here I will give information Types of Insurance for you, so you will know and understand more of each type of insurance .
Various Kinds of Insurance and The Insight

Here she Various Kinds of Insurance You Need to Know
1. Business Insurance
Business insurance is insurance where the insurer insurance separately with the recipient .
The insurer has an agreement with the receiving party insurance in lieu of a fixed installment .
That is by way of an agreement with the majority of people who are often faced with things that are dangerous .
By agreement the insurance company will give them a certain amount of cash as compensation for each member affected by hazards that have been entered in the list that has been insured .
Between the donor and recipient insurance in this case , there is in one party .
If no number is more than the amount of premiums that have been paid to the insurer , the insurer so their owners , the insurance company to bear alone .
2. Collective Insurance
Collective insurance is commonly called as well as a reciprocal insurer or an insurance co-operative .A kind of insurance where the insurer with the insurance service recipient is in one hand as an insurance manager .
The way is to enter into an agreement with a number of people who used to facing dangerous things with commitment will give them some cash as a form of compensation for each member affected by hazards that have been entered into the list of insurance coverage .The donor and recipient insurance in this case is in one party .
If the amount of premiums paid to the insurance company at more than the amount that must be deposited, then the excess will be given to the recipients of the other insurance services .
And if it is less , they all will be required to cover it .They did not seek to gain advantage through business insurance , even sometimes to relieve losses in their nature, the cooperation will be played by the hand of its members .
3. Social Insurance
Sometimes it can also be a social insurance .That is usually done by the government with the aim to provide insurance for the future of its people .That is by cutting the salaries of the majority of employees and workers .And at the end of their service , they will be given a fixed monthly pension .
If he had an accident because of work , he was also given the cost of treatment in addition to adequate compensation .

Well , that's a little info Types of Insurance and the insight I can give , may be helpful  know info on how to claim medical insurance here .

Definition of Accident on Accident Insurance

This time we want to share a little bit of accident insurance .In the accident, there are some specific points that must be fulfilled in order to claim accident insurance is legitimate.Usually, insurers have a definition of their responsibility to be an accident .Definition of " ACCIDENT " in the Personal Accident Insurance , must meet the nine (9 ) factors presented below :
Definition of Accident on Accident Insurance

1. That the arrival of accident happens to be the source of a sudden , even though its probably due to emerging / feels / occur some time after the accident occurred .Usually in the policy conditions have been set waiting period or Waiting Period for 12 months , so if the onset of Death or Permanent Invalidity Accidental guaranteed that the new policy occur or occur within 12 months after the accident , it is still covered by the insurance.
2. Source of accidents must come from outside .
It aims to be able to distinguish the causes of accidents that come from within man , for example disease .
3. Arrival of the source must be violent accident .
That is the source of the accident must be accompanied by any element of force, whether it be violence or violent chemical poisoning physik such as in the form of the collision .
4. Arrival source of accidents should be visible .
It aims to be able to distinguish between the causes that come are fictitious ,
such as inflicted Shaman or Witchcraft / witchcraft and so forth .
5. Arrival of the source of accidents should direct and sole .
Jump directly within the meaning of the human body
The only meaning is not affected by other factors that may cause / effect occurs enlarge .This means that the consequences that occur should be the result of a direct cause and sole .
6. The arrival of a source of accidents should not desired / planned / intentional .
In because things are desired / planned or accidental , it is certain that the result will occur .This is certainly contrary to the notion of insurance under Article 246 of the Law of Commercial code , which does not necessarily guarantee that the risk of that happening.
7. As a result of the accident should be a physical wound .That wound on the human body .
8. The physical wounds should be in the autopsy by the Medical Sciences .In what sense must be medically proven .
9. The relationship between cause and effect should not be interrupted .
This means that between the cause and effect there should be no Shelah that makes them disconnected .

Well , that's 9 points important in personal accident insurance which can be recognized .Hopefully this article on the definition of accident insurance can add insight about insurance and all its problems .

Monday, 5 May 2014

Traditional Life Insurance Products

Traditional Life Insurance Products
Image by moneymattersbymai.wordpress.com
The life insurance Indonesia products consist of two main types: traditional life insurance and unit-linked insurance account. I will discuss financial results of three types of traditional insurance in Indonesia.
Three traditional types of life insurance
Traditional life insurance consists of three types of long-term insurance (Termlife), life insurance (of Wholelife) and endowment insurance (staffing). Here is an explanation of the three types of traditional life insurance.
Insurance Termlife (futures)
As its name suggests Termlife insurance (long-term), this traditional life insurance provides protection for a period of tertetu. Characteristic is the presence of Termlife specific time period insurance and if it does not there will not refund premium payment of benefits or insurance money.
Termlife insurance premiums life insurance more traditional low and coverage is quite large sums of money. Termlife life insurance has no cash. If the insurance contract expires and no claims then the insurance company will not pay money.
Whole life insurance (whole life)
The next traditional life insurance whole life insurance (life). In general, the protection afforded to the age of 99 years. Features Wholelife insurance is the protection period until the age of 99 years. Whole life insurance has a cash value. The redemption value can be borrowed (interest and rules may be made to each company). The insurance company will pay benefits or insurance money disaster in the contract period or at the end of the insurance contract.
Projector (staffing)
The third traditional life insurance is an insurance product that is quite unique. This insurance is usually combined with a kind of specific purpose, such as insurance education, pension insurance. Projector is insurance that can be considered popular at the time of unit-linked insurance account was not out.
Projector has features similar to the whole life insurance (life) in terms of implementation and payment of cash benefits. One of the advantages of whole life insurance is a benefit payable at the time given schema, for example to fund education will come in stages, for example, when children enter elementary, secondary, high school, and the education. This endowment insurance has premiums that are more expensive compared to other traditional life insurance premiums.
Conclusion
Life insurance in Indonesia is not only unitlink. In Indonesia, the different types of traditional life, as life insurance Termlife (forward), life insurance (whole life) and staffing of traditional life insurance (staffing).


Keyword: traditional life insurance, insurance product, insurance traditional, traditional life insurance products.

Sunday, 4 May 2014

Tips On Choosing Insurance Education

Tips On Choosing Insurance Education
Image by goodfinancialcents.com
Children are a precious treasure for parents, so they always try to do my best for the child. Of course, the education of children is a major concern for parents. Meanwhile, the fact that education costs always increase over time. In response, the education of children should be well planned from the outset to ensure tuition of the child.
Education insurance is a wise solution for this, you do not need to argue with the cost of attending school or college kids in the future. Then, with the assurance of education if an accident occurred while befall you, but education can still continue. Of course, before you decide to choose insurance there are several things you must do:
Learn an insurance agent first.
Important step you need to do when trying to choose an insurance agent is to learn to do these companies first. You need to find the company's reputation by doing a search on Google search engine. Having discovered and started to believe in the insurance company, the company went directly to inquire rice Capital (RBC) in related parties. Basically, in good health RBC percentage of 200%, while the minimum RBC was 120%. The term RBC Insurance is the amount of capital that must be guaranteed by the insurance company for the government in terms of the ability of customers to pay insurance claims.
Calculate the education budget in detail.
The next thing you need to do is calculate in detail the cost of educating a child in the future. Start where you send the latest baby and counting the cost of school today. Then, count the cost of education when your child goes to school with the time value of money. Remember that the inflation rate in Indonesia over the past 15 years, ranging from 12% to 15%, while the cost of education will increase from 20% to 25%. So the percentage percentage is also important to consider. So you know how much tuition fees incurred after.
Comparison of premiums to the value of savings.
Then it is time to compare the premium to the value of savings. As we know that the premium is the amount of funds to be paid to the insurance company each month or year. Choose the insurance premiums that you can afford, do not because they can not pay your insurance premium must be stopped in the middle of the road. After that, try to compare with the value of the savings to be removed in time. This way you will know if the funds of the output will be sufficient future cost of your child's education.
Flexible withdraw money.
Things you need to consider next is a matter of withdrawal. Choose a flexible policy penarikakan because there are companies that can not be removed before the specified time. Would be embarrassing if your child is accelerated and go to the next level faster than expected progress.
Consider additional facilities.
If you are using insurance as a guarantor of educational baby, then focus on it. Many insurance plans offer other services such as health care, critical illness and others. So you do not need to be tempted by the offer. Because it can so it can affect the amount of your savings. However, if you have more money, great if you want to use additional facilities.



Keyword: tips of choose insurance education, insurance education children, choose insurance.

Tuesday, 29 April 2014

Types Of Insurance

Types Of Insurance
Image by finansialku.com
Generally, Indonesia, two (2) types of insurance, the insurance is traditional insurance and non-traditional. Let us refer to further discussion.
Traditional insurance
Definition of life insurance (life insurance policy) policies by definition LOMA (Life Office Management Association) is:
"Life insurance policy (life insurance) is a policy in the policy where the insurer agrees to pay benefits for the death of the insured / insured."
Traditional insurance also has a variety of types, each of which will be explained as follows:
1. Life insurance (long-term)
Term insurance provides protection in a limited time. Protection can be as short trip tickets between Jakarta and Semarang for less than two hours or as long as 20 years. Typically, there is a period of insurance coverage. In addition, if there is no risk, the insurance money is not returned or canceled.
This type of insurance is the cheapest among the other insurance premiums. The cover can be a lot of money, billions of premiums are not too breaking the bank. Type of term life insurance has no cash value. If, on the expiry of always healthy insurance contract the insured, unless the contract expires and no money is given to the insured.
2. Any life insurance (whole life)
This insurance contains the value of savings. The protection period longer, up to 99 years. This insurance is called a refinement of term life insurance that has no cash value. However, the value of premiums that must be paid to the customer is also more expensive than term life insurance.
In whole life insurance when the contract expires and the insured is still alive, no cash value provided to customers. The redemption value of the whole life policy can be used as collateral for loans, and there is a bonus dividend of the Company for all policyholders of life. Also, if she can not pay the premium, the insured can withdraw funds from the cash value. This function does not exist on the type of term life insurance.
3. Endowment insurance (staffing)
The third type is the traditional endowment insurance. This guy is like a long-term insurance and savings. The diversity of forms of endowment insurance. In addition to the cash value, there are also funds expended prior to the expiration of the term of the insurance contract. These funds periodically, eg every 3 or 5 years.
For example, as Education issued the insurance fund when the child was 5 years for kindergarten entry fee, 7 years of fees in primary school and so on. Unfortunately, this endowment insurance premiums are much more expensive than insurance premiums in the long term and whole life.
Non-traditional insurance
Non-traditional type of insurance is only one link unit. In addition to functioning as a protection, it also serves as an investment. Premiums paid partly used to finance the protection and partly placed in units of mutual funds in the form of links.
The insured will be asked to choose where to place their investments, whether in equity funds, balanced mutual fund investment funds fixed income or money market.
For the type of unit-linked insurance is quite complicated and difficult to understand. While potential customers should really pay attention and deepen.




Keyword: types Insurance, insurance tradisinal, insurance non-tradional.

Tuesday, 1 April 2014

Insurance Agents, Hated People?

Insurance Agents

Image by spotonsolutions.com
Often when I am recruiting people to join the life insurance business, an objection perceptions they become an insurance agent hated person raised. Some even say, friends avoided friends. Is it really like that?.
Any situation can occur in all professions. Whether it is a car salesman, marketing of the bank, and a host of other professions. To be loved or hated not having to go through a profession. Because sikaplah determines someone to be hated or avoided friends. The good news, too, which determine the attitude of a person can be loved by others. Predominates on the mind, own perception of the agent of the situation. For me the sale of life insurance is a good product to sell. Life insurance products is part of the financial plan of the family. Even if a friend or prospect will not buy, they do not reject me personally. But because they do not understand the importance of the product. They did not open their heart to receive a draft financial plan. Even the much misunderstood, buy life insurance as mortgage his soul with some nominal. Which of course is not in accordance with the religious beliefs they profess. Thus, their rejection is not a set in stone, but it takes time to get a new understanding of the importance of insurance products.
The days are past, an insurance agent is dominated by "rogue" in the sense of the word are not accepted in a number of other jobs. While their unemployed to work as an agent, when the insurance company can be said to accept anyone who wants to be an agent. This condition worsens the image of the insurance company through an agent who is not a professional agent. With limited capabilities, they do not sell good presentation, but more to pity. Customers who buy products causing insurance due to pity his agent or insurance agents do not take continuously attended. So the arrival of several insurance agents interfere with the activity of others. The work is not based on a long-term vision, but only a leap of work because they do not think the direction of better service. When the insurance agent think just to get high-end customers, which they automatically commission. Thus, when customers need help regarding agent strategy difficult to achieve, even those who have disappeared without a word. Conditions worsened when the position of the bank is not as advanced as today. At a time when the banking system still requires the presence of customers with direct deposit, make customers reluctant to deposit their own premiums. Shortcuts are taken to assign premiums to the agent. In this way, an agent of opportunities for customers to gamble. Mental unpreparedness provide customer funds that should not be right, is a tried to use for personal agent. Originally borrowed for a short life, but a long time to accumulate and eventually the premium that should be paid to the company was not able to do so. Due premium is not paid, the policy outcome is never published. Or if premiums have continued, resulting in the policy becomes lapse. And when there is a demand, the insurance company does not pay the claim. Angry customers, and there arose a generalization to a profession. If an insurance agent is a crook. Agent is not true, then the company will also affected the image. Then, the resulting charge Insurance Company scammers!
Today, the situation is rare. This time, in the era of professional insurance agents as a financial advisor. But the bad image of the past still haunt some of our communities. Therefore, our task now, do not reject the allegation with words, but we prove it with our attitude.
What is not liked by the insurance agent?
Like most insurance agents are always "chasing hunt 'prospects. They contacted prospects without knowing the time. Come directly or contact by phone. Insurance agents often vilify private products and competitors.
Insurance agents do not explain what makes the application are not paid. Thus, in the minds of customers always get the sweet things, but in fact received end.
Before concluding, very easy to communicate with an insurance agent, but after closing disappeared without a word and very difficult to contact.
Well, if we know the above is often the case. We as an insurance agent should be the opposite. How we work must be professional. The arrival we should help provide solutions for financial planning. Instead of begging for help to cover the target.
Services actually increased after your prospects into customers. Attention to clients and their families. I always saves the data on a smartphone clients and their families. Every birthday I always sends greeting. And some clients, particularly large premium, I always send a birthday cake. I give special attention to good customers. Often, agents forget the good customers. They actually pay attention to the "chatty" or as anger, sometimes treated as agents employed sorry client. Customers do not appear to need service, once again wrong!.
Good customer should receive special treatment because they do not bother us.
In addition to learning attitude and to provide the best customer service, we must also be able to apply please others on all aspects of life. Not only potential customers, but to be nice and friendly to everyone, even strangers.
Because, basically, to win the trust of others, we should be a nice person. Being fun, then our presence in the environment to provide a positive atmosphere.
When you position as a consumer, when you buy something, if I can choose to buy or not a nice person, who you going to buy? The answer is 100% sure that you will buy at the party.
In the day to day activities are in fact many ways if we want to do good to others without hurting yourself.
Once I was ready to take the money in the ATM. My normal conditions queues waiting were about 4 and a man appears behind me. From the facial expressions and gestures seem very anxious queue. It looks like it is pressed and there is something important. Directly in front of me was not just take the money, but also do some transfer takes longer. Once my turn, I looked back and let the guy behind me to precede me. For a moment he was silent, perhaps not thought about what I do. I nodded to clarify my intentions. He thinks again and send me. I do not know why he is interested in a hurry, but I felt there was something important. There is no problem for me, because at that time I was pretty free, so it is not affected by jet lag. Once finished, he smiled local expression of relief, and I thank you again. So I smile back and answer his words. Glad I could help others and do for others without having to know in advance.
Two months later, my agent asked for a time to join the field work to its customers. As usual, I asked my agent to role play in advance, and we discuss what we have presented a number of scenarios and situations. Continue our discussions during the trip so that we get rich scenario. Finally, we come to the end, one of the expeditions office. Because've obtained an appointment, an employee entered the room we invite prospects. And my agent to introduce prospects to me. When shaking hands, our eyes collided. The prospect of a break, and he seemed to be trying to remember. Finally, he asked me if I meet in and let precede ATM queue. Frankly, I had forgotten the incident. Also should remember his face. I smiled as he recalled the face frankly the guy. Faced with the prospect of change and look nice. And while it must explain why in a hurry. Since then, employees have had an accident, and her family need to be taken immediately to another distributor at the same time funds. And he said, do not think I give a tour of it. The atmosphere was not like we skenariokan, because it was like a conversation. Do you think the result of the perspective of my agent? Closing or not?.
I do good deeds for others turns an impact on aspects of our lives. We sow we reap no time. That day I made a smooth presentation agent, prospects do not spend a lot of objections. And closing with ease. On the way to my agent said that today's current outlook is more perspectives throughout their experience. And he got a valuable lesson.
Learn to do good to others can be done at any time any occassion. On the occasion of the airport check-in queue, sometimes I find people from outside the island that bears the weight of excess baggage, then they must pay the excess
severity. Since I do not carry luggage, I often ask my quota to use someone else. Many shocked expression I see this person. Because they do not think there are other people who want to. Many of us are reluctant to do so not because they feel a loss, but we are reluctant to interact with others. We too cool with the surrounding environment. Similarly, while I was waiting for boarding, I walked into the lounge of the airport as contingent credit card I can get for 2 people, I often invite others to re-enter the room I also. The facial expression of shock often I catch Dati. In general, people do not think, no we do not know want to share org.
Everything I did not hurt me at all. I do not expect a response from the person, but I always learned to please others.
So if there is a public perception that the insurance agent is the person who makes disrupted. Honest people avoided the environment. I want to change this paradigm. We must prove that the insurance that we all to be fun for the other agent.
We always learn first smile to others. Indeed, it is sometimes limited by the rules of the genre. That will not allow women make the first smile, especially for men who had never met before. If it can not be that way, a lot of things we can do to make a positive staff. Warm and personal, and attention to the environment.
I was always taught to agents always do things to please others without having to harm us. When I say this teaching, there is an opinion often seems to be hypocrites. Which displays expressions that do not conform to our hearts. There is another point of view, which says that if we do good so that customers will close for us. Thus, the good deeds that we tend to others, not because based on the merit of sincerity.
I say, the most important is to please others is a positive action. Despite first you do is full of trends, I think because of the constant, eventually becomes a positive habit. And positive habits that continue to be made in a positive character. So what's the harm?.



Keyword: insurance agent, agent hated, agent insurance hated people, insurance agents, hated people.

Monday, 31 March 2014

How Does It Work Life Insurance

Work Life Insurance

Image by stutheitandgartland.com
Life insurance often get negative or bad news because over payments / claims. Most people do not see the actual operation of life insurance.
Most people are more interested in the facilities, incentives can voucher discounts, good hotel / resort in particular, gifts, or anything else. It may be because they believe that all insurance companies are the same.
Life insurance is that we have an umbrella. When it rains, the umbrella is very useful if not ... yahh did not like how? umbrella in our assets would be very useful, because we do not know when the rain will fall .. at least we had taken the precaution (essentially an umbrella when it rains, it is available).
Someone offers to buy a life insurance policy while attending the funeral of his friend, he saw how useful, the benefits of providing life insurance check. What if his friend did not take politics ... How future wife and young children lose their source of income .. especially because there are so many payments to fill, the woman cried twice, the first and the second time of death arbitrarily when the dream vanished / is lost because it is no longer a source of income.
Praise through careful planning, the deceased had taken out sufficient insurance to ensure the well-being of her children to adulthood, and his wife a decent life in retirement.
At the funeral, the debt collector will wait online payment, but managed to convince his wife that everything will be reimbursed because it was planned. Life insurance policies are among family and creditors in mourning, while others take all the property of the family, the life insurance policy coming to an asset protection, wealth and future of the family.



Keyword: life insurance, how work life insurance, how does it work life insurance.