Every parent wants to prepare everything for children, including education. However, the cost of education is increasing every year. This is a challenge for parents to prepare for the cost of the child's education early on.
Look at those odds, the insurance company the insurance product launches vying can guarantee the education of children in the future. Guarantees this education you need to be aware of deeper, before choosing a good education insurance for the fruit of your heart.
If you've got some quotes from several insurance companies, do the following 6 tips in choosing the right education and insurance.
1. create a child education Plan
Before glancing at the bidding of the insurance companies, You need to make a child's education plan.This plan is very important and be a guide to choosing the right education insurance. In the absence ofa clear education plan, you will be confused in choosing insurance products.
Have you thought of as high as what level of education your child later on? Education plan contains thelevel of education, from primary, intermediate, and advanced.
Already know where your child will be attending? Education plan need to be made as much detail as possible to list the names of the school and the school's entry in the future. It is closely related to the cost of education.
In making education planning, you need to know the profile of some schools. Ask relatives, neighborsor other parents who have entered her son in such schools. Furthermore, you can visit the schools. This will help you choose good schools and good quality.
Another important thing that You can not miss in your child's education plan is to identify the interests and talents of the child early on. You can plan, keepdoing it is your child. So, not to ignore the passion.
2. Do Research education costs
In addition to the profile and achievements of the school, you need to research the current tuition feesto obtain an estimate of the cost of education in the future. After bagging some of the schools in every level of education, find out details of the costs incurred by the parents of early admission to graduate school.
This includes tuition fees (whether it's an annual and monthly), the purchase of school books, additional education (tutoring, private tutoring, or extracurricular), the cost of school uniforms and stationery, pocket money and school needs others.
Details of the cost of current education will give an overview of the cost of your child's education in the future. Well, the next question is how do I know the cost of the education of the next few years?
According to Kompas.com, the average cost of education in Indonesia increased by 15 percent per year. So, you can do the calculation of the cost of education in the future by knowing the total cost of education today. By knowing the approximate cost of education in the future, you can choose the right insurance to guarantee the education of children.
3. Identify the trusted insurance company
Each insurance company has its advantages and disadvantages. To choose a good insurance company, you need to pay attention to the financial strengthof the company, i.e., assets and liabilities and the quality of the workforce. Assets and liabilities can be seen from the balance sheets of financial reports transparently communicated to the public.
Next, choose the insurance company that has a good track record and trusted. Listen to the explanation of the insurance agent and ask as much as possible so that you really understand about the productbeing offered. You'd better ask some case for example if the breadwinner is experiencing the disaster and demanded a solution that can be provided by theinsurance company.
In addition to obtaining detailed information from insurance agents, you need to ask some people who have followed the program of insurance education.Ask in detail what are the advantages and disadvantages as well as the bitter and sweet experience into education insurance clients.
If you are having trouble finding the information directly, you can leverage the internet to get a more complete explanation about the insurance. You can join the online forum and group social media that discuss insurance which you want to select.
4. Select the Appropriate Financial and Insurance Plans child education
Well, when faced with several choices of insurance companies, You need to look at other aspects in choosing the right education and insurance. The education plan of the fruit of the heart, particularly the estimated cost of education in the future, can help you determine the right choice.
Learn all the information you get from both the insurance agents as well as from other clients precision and quality. The education plan of the fruit of the heart, particularly the estimated cost of education in the future, can help you determine the right choice.
Learn all the information you get from both the insurance agents as well as from other clients who have followed the program of insurance education. Open back education plan as well as an estimate of the cost of children's education in the future. Sesuaikanlah the education plan with insurance educationprograms offered.
Before you invest income into an insurance product, you need to identify the financial conditions in advance. You should measure how much money you can comfortably put aside and what financial risks you will encounter when buying insurance products.
Start managing Your financial (salary) in order to meet the child education planning in the future. Measure your financial ability and select premium to suityour financial condition.
5. Select the policy that is flexible and Profitable
Insurance program is nothing like saving in banks that you can drop at any time according to your needs and desires. Insurance education is a kind of long-term insurance that could be taken after the childreaches a certain age and ready to enter the schoolto a higher level.
However, we never know the changes in the future.Changes to the education system and curriculum can cost educational impact, as each passing schoolbooks and increasing educational needs of the child. Of course this effect on the estimates of the costs of education that you have planned in advance.
For that, you should choose a flexible and favorablepolicies, which can be claimed at any time to meet the educational needs of the child. Make sure you do your calculations accurately so there happen lackeducation costs after making the claim.
In addition to flexible claims, select the insurance also gives advantages for increase investment gradually. This is particularly likely to happen if your income increases. If you plan to send children abroad, select the policy could change other currency such as the Dollar or Euro.
6. check other facilities
Another thing that you need to consider before choosing an insurance education is checking other facilities offered by the insurance company. In addition to ensure the education of children, usually other facilities offered are health coverage.
If a child who is enrolled in insurance education experienced health problems, the cost of care at a hospital will be reimbursed by insurers. If you feel you need the assurance of children's health insurance, you can choose the education that has this benefit.
Although there are additional facilities offered, make sure that Your top priority is education. The additional facilities should not cut too much education investment so that the child's school fees in the future remain secure.
When choosing insurance product education, you should perform calculations carefully and pay attention to the needs and consider your financial condition. Never choose insurance education if you don't have an overview and planning of the education in the future.
Remember, insurance education is a kind of long-term insurance. So, don't be hasty in taking decisions.Once you decide, you can never withdraw, unless you answer the premiums already paid in advance
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