Insurance

Life Insurance and Health Insurance This is particularly true for self-employed and informal workers who do not have health coverage from a company or government agency.
An entrepreneur like me when to ill or disabled because of an accident will have a lot of financial losses / financially because they have to bear the cost of treatment and can not work for a living. Another case when a person works in a company or become civil servants, they usually get health insurance that will bear the cost if the pain and still be paid a monthly salary. (But not all companies provide decent health insurance you know)

Before you decide what insurance products, from insurance companies which I highly recommend to compare different products, types of products from several insurance companies. Do not rush to buy an insurance product without understanding very clearly the rights and obligations, if we take an insurance product.

Some tips from me to choose an insurance product:

Determine what the benefits of protection we need
Find information insurance products fit our needs by collecting brochures from different companies or look for information on the website of insurance companies
Ask the agent in more detail about these products thoroughly to detail the calculation of the allocation of funds we pay for anything
Do not be overconfident with what the insurance agent, because they are not necessarily fully understand the products they offer.
Have made dicetakkan illustrations benefits insurance products, premiums to be paid and the allocation of the premium paid to anywhere
Learn the content of the illustrations in the house with leisurely and carefully, do not rush to conclusions, ask to know more if there is not yet clear
Compare products from various insurance companies, which provide the greatest benefit with the least expensive premiums, but the info or find out whether the company is bona fide or not
Do not just based on the best insurance award from a magazine, but you need to really know how to count the cost of insurance
Specify your choice of insurance product after all of you really understand
After determining and deciding to buy an insurance product we will accept the insurance policy that contains a binding agreement between the customer and insurance companies, learn about the contents of the polis, the customer usually within 14 days were given the opportunity to cancel the policy.

That was a few tips from me so you will not regret it one day if you buy an insurance product without understanding fully the rights, obligations and comparisons with other products.

One more suggestion I as a customer who never fooled with an insurance product "Do not buy Life Insurance and Health Unit Link associated with investment". Trust unit-linked products is very expensive cut, you better take a pure life and health insurance and invest the money into mutual funds separately.

In future articles I will try to give a detailed calculation of unit-linked insurance that actually deplete the customer's money, which makes insurance agents are now many are wealthy by selling unit-linked insurance.