Life Insurance and Health Insurance is necessary especially for the self-employed and informal workers who do not have health insurance from a company or government agency. A self-employed like me if ill or disabled because of accidents will experience a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Another case, if someone works at a company or a government employee, they usually get health insurance that would cover the cost if the hospital and paid fixed monthly salaries. (But not all companies provide decent health insurance lho)
Before you decide what insurance products, from insurance companies which I highly recommend to compare different products, types of products from various insurance companies. Do not rush to buy insurance products without clearly understanding the rights and obligations if we take an insurance product.
Some of my tips for choosing an insurance product:
* Determine the benefits of any protection that we need
* Find information on insurance products fit our needs by collecting brochures from different companies or searching for information on the website of insurance companies
* Ask your agent in more detail about these products until the detailed calculation of the overall allocation of funds we pay for everything
* Do not believe what insurance agents say, because they did not understand very well with the products they offer.
* Ask for an illustration made dicetakkan benefits insurance products, premiums to be paid and the allocation of the premium paid it to anywhere
* Learn the contents of the illustrations on the house with leisurely and carefully, do not rush to conclusions, ask a better idea if there is not yet clear
* Compare products from various insurance companies, which provide the greatest benefit with the least expensive premiums, but also info find out whether the company is bona fide or not
* Do not just the based on the best insurance award from a magazine, but you should really know how to calculate the insurance costs
* Determine the insurance products of your choice after all you really understand
* After determining and deciding to buy an insurance product we will accept an insurance policy that
contains a binding contract between the customer and the insurance company, study the contents policyholders, customers are usually given a 14 day opportunity to cancel these policies.
That was a few tips from me that you do not regret one day if you buy an insurance product without fully understanding the rights, obligations and comparisons with other products.
One more suggestion as a customer I've ever fooled with an insurance product, "Do not buy the Life and Health Insurance Unit linked Investment Links." Trust unit-linked products is very expensive pieces, you better take a pure life and health insurance and invest the money into a mutual fund separately.
In the next article I will try to give detailed calculations of unit-linked insurance actually drain money customers, which makes insurance agents are now many very rich by selling unit-linked insurance.
