How To Choose A Good Teaching and Insurance Law
Have you ever been in the education of your offer of
insurance from a particular insurance
agent?. If yes, then you should be selective in the choice of a good education
and insurance is right for you. The education of children should be a major
concern for parents. Meanwhile, the fact that education costs always increase
over time. Therefore, education should be planned from the beginning to ensure
the tuition of the child. One way you can do is follow the insurance education.
Education insurance is a wise solution to cover the high
cost of education today. Following school
insurance, then you do not need the hassle and cost of the school or
college kids in the future. Using insurance education if an accident occurs
while you get, so keep your child's education can continue, because it does not
need to be mistaken to think that the cost of education a time when you are
sick.
Well for those of you who want to take the training for your
insurance, it is advisable to pay attention to tips on how to choose a good
insurance and following good education:
1. Learn insurance
agent first.
Important step you need to do when trying to choose an
insurance agent is to investigate the company in advance. You need to find the
company's reputation by doing a search in the Google search engine. Having
discovered and started to believe in the
insurance company, the company went directly to inquire Rice Based Capital
(RBC) to related parties. Basically, a healthy percentage of 200% RBC, while
its 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.
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2. 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 later send the baby
and count the cost of school today. Then, count the cost of education when your
child enters school using 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%. Thus, the percentage figure is also
important to take into account. So you know how much education costs incurred
later.
3. When comparing
premiums to the value of savings.
Then it is time to compare the premium to the value of
savings. As we know that the bonus is a sum of money that must be paid to the
insurance company every month or year. Choose
the insurance premiums that you can afford, do not be 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 that will be removed in
time. This way you will know if the funds of the output sufficient future cost
of your child's education.
4. Flexibility in
withdrawing money.
The things you need to consider is still the issue of
withdrawal of funds. Choose a flexible policy because there are companies that
can not be removed before the specified time. Would be disturbed if your child
to follow the accelerated and move to the next level faster than expected.
5. Consider
additional facilities.
If you are using insurance as a guarantor of educational
toys, then focus on that. Many
insurance packages that offer other services such as health care, critical
illness and others. So you do not need to be tempted by the offer. Because it
could be it could affect the amount of your savings. However, if you have more
money, great if you want to use additional facilities.
These are some tips that you can make the choice of a good
education and the insurance that is right for you. Hopefully the above tips
useful for you. See also How to choose
a healthy and proper insurance.
Keyword: how to choose, good teaching,
insurance law, how to choose a good teaching and insurance law.
