With the higher the lifestyle and economic level has been achieved, the public awareness of the importance of insurance in protecting the family finances.With increasing public awareness of, and the number of life insurance companies right now, a variety of considerations in choosing insurance also grew.
But some of you may also have trouble about how to choose the right life insurance. These various considerations you can do before choosing life insurance for you and your family
1. customize to your needs
Just like buying goods in General, know and ascertain what kind of products would you buy into the main things that you should know in advance. Some insurance companies will usually offer you more than one product, therefore please choose the productthat suits your needs, abilities, as well as your financial goals. What risks will be insured. For example, the cost of education, guarantee day or critical illness that will probably be the case. Learn about and compare between one insurance product with other insurance products, and customize to your needs.
2. Budget
The most important thing is adjusting your budgetso as not to interfere with the budget for other needs. Choose pure health insurance premiums are relatively lower than the investment plus insurance, if you need the full health insurance benefits but have a limited budget. Make a monthly budget to pay for Your life insurance. In the theory of financial prencanaan, how to ideally allocate income or income is between 10%-20% for insurance.
3. Credibility of the insurance company you choose
Insurance is a long-term agreement. Therefore the credibility of the insurance company you choose, this is also very important. Please choose the insurance company that is not problematic in terms of their financial management. Monitor progress and performance or pengelolannya one way that can be done. Make sure whether the insurance company you choose is not problematic. You can see their financial reports via newspapers, or other mass media. Seeranking and rating. Note the RBC (Risk Based Capital) of the company, would have been in accordance with the Government's minimum of 120%. Get familiar with the ins and outs of the company of your choice.
4. Service
Please choose the insurance insurance companies that offer extra stewards. It's like having a 24 hour customer service. This certainly will help you later, if need information about life insurance product details whenever you need. Learn also how to claims procedures are used. Starting from requirement up to how long your claim will be paid later. Whether the company is working with the hospital, making it easier for the customer in filing a claim, without paying in advance. because if not, it will be a hassle You later.
5. Do as long as You are healthy
Every insurance company has different criteria in terms of the health condition of prospective buyers of their insurance. Some even reject the filing of insurance given the prospective client should reasonablydo not meet their requirements. Therefore it's goodif you buy insurance while you are healthy, this of course affects premiums paid. If healthiestconditions, premiums will be paid at least than if you buy it at the time was already sick. Do as early as possible, as long as you are healthy.
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