Who needs life insurance? People who have mental illness? Or someone who has not got a soul mate? Hush, inconsequential. Life insurance has become an important requirement in this era. But not all people really need life insurance you know. If anyone says everyone needs life insurance, he may not know exactly what is. Or maybe he's newbie insurance sales aka the new kid in the next who pursue the target? From year to year, life insurance enthusiasts continue to grow. This can be seen from the total income of the life insurance industry continues to increase. The Association of Indonesian Life Insurance (AAJI) recorded total revenues of life insurance industry during 2016 grew 57.4 percent from 2015. That is, more and more are aware of the importance of life insurance. However, as said before, not everyone needs life insurance. Then anyone who might need this important service?
Here we look together: 1. Have a family Here, have a family means are married, whether they have children or not. So not a newborn child directly need. need life insurance Who already married would need because they have dependents (family / Rizqy Supreme) Why people who have a family need life insurance? With family, we have dependents. When one day we get unexpectedly wretched, the family can get insurance funds that can be used for the next life. But there is a priority in the family to become a participant of life insurance. Read: WHAT THE BEST INSURANCE FOR FAMILY
The explanation is on the next point. 2. Primary breadwinner in the family The main priority to become a life insurance policy owner is given to the main breadwinner in the family. This applies to both mom and dad, whoever becomes the main breadwinner. But the most common is the father when the mother focuses on taking care of the household. By becoming a life insurance participant, dad can be more calm thinking about the future of the family. Because, there are funds that can be held by the wife-child when he got a disaster, such as death by accident.
The explanation is on the next point. 2. Primary breadwinner in the family The main priority to become a life insurance policy owner is given to the main breadwinner in the family. This applies to both mom and dad, whoever becomes the main breadwinner. But the most common is the father when the mother focuses on taking care of the household. By becoming a life insurance participant, dad can be more calm thinking about the future of the family. Because, there are funds that can be held by the wife-child when he got a disaster, such as death by accident.
Under such conditions, will liquid life insurance fund to meet family needs. 3. Got debt or long-term credit When a mortgage loan (mortgage), the bank will ask us to pay life insurance premiums. The goal is that the family does not have to worry about continuing the mortgage when we die. Therefore, the installment can be paid off immediately with the sum assured when sufficient. need life insurance You are the head of the family or the main breadwinner? Do not burden your family financially if there's nothing with you. You need life insurance (insurance / forbes) This also applies to other credit facilities, such as motor vehicle loans or multipurpose loans with long tenor. The problem is, many are underestimated about this insurance, even complained when asked to pay insurance costs. Though insurance is important for the financial condition of the family, although we do not expect this fund liquid. When having large debts and long tenors, we should take advantage of life insurance. We can look for insurance services themselves when not offered by the lender. 4. High job risks The higher the level of risk in employment, the more urgent the need for life insurance. For example, machine operator workers in the factory.
Bad luck not knowing the time and place. We may be careful, but the machine crashes and causes an accident until death. This is the moment when life insurance is beneficial. Even if the employer already provides insurance, there is no harm we hold a personal insurance policy. After all, the benefits of both can be combined. 5. Frequent travel All transportation service providers will offer, some even require insurance. You see, there is the risk of accidents when on the way. But this insurance is sometimes not enough to ensure the security of the family's financial future. If traveling a lot either because the hobby of traveling or often given the task of duty outside the region, we need life insurance aside from the cost of tickets. need life insurance Often traveling there is certainly the risk of accidents that may be experienced.
Provide umbrella before it rains with life insurance (Bring suitcase / Okezone) What if the missing Malaysia Airlines event happened to us? No one knows when such an incident can happen, right? The point is that life insurance is generally needed by everyone. But there are people who need more life insurance than others. Surely the party who would get direct life insurance benefit is not our own as a premium payer. The life insurance function actually protects the financial life of the nearest person left behind, especially the family. Who wants the family to live in a hurry after us or when we can no longer be productive as a breadwinner?