So to speak. And the fact is, indeed, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they have.
Hence, it is not surprising if the majority of vehicle owners to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian who consciously protect themselves with the economic value of life insurance.
Actually, life insurance not to protect our souls. But rather to protect the economic value of ourselves. For example, if today we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with 5 million expenditure could be kept awake, 'even if' something happens that causes us no longer able to generate money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of a car or a house we just protected, why do we not protect the economic value ourselves? Does your car or home is more precious than ourselves?
If our employees, try to check whether the company where we worked has been providing life insurance for us. Companies both of which usually provides life insurance for his employees. But there are 2 things we need to do:
First, ask your human resources department, whether the insurance provided is only valid as long as we work at the company, or it could proceed alone if we stop working.
In general, if employees resign or retire, then life insurance will automatically be disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to continue working as a professional.
However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has been providing life insurance that we can manage themselves (can be taken away and resumed his own), then maybe it's time to do financial planning or school fees of children in the future.
Indeed there are people who prefer to save every month in the bank, and not taken-take. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.
In addition, education has the advantage of insurance protection side, which is not owned by a savings education.
The principle is: if there is 'something' in us, then our children still get the education funding guarantee in accordance with what we planned.
Although we are not interested in buying an insurance policy, we need not hesitate to consult with insurance agents. There is no harm if we understand the mechanism of this model of financial planning.
At least, we can compare them with financial planning strategies that currently we run. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plan. That is, we can get a free consultation about our financial planning. Not bad right?
Currently many insurance combined with investment. So, you will get the benefit of protection, while viewing the portion of the money you paid as savings or investment that continues to grow and develop.
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