Tips for Choosing the Right Life Insurance tucik version 23

With the higher lifestyle and economic level that has been achieved, public awareness of the importance of insurance to protect the family finances is increasing. Along with the increasing public awareness of it, and the number of life insurance companies today, a variety of considerations in choosing insurance is also increasing.

But some of you may also have difficulty regarding how to choose the right life insurance. Here are some considerations that you can do before choosing a life insurance for you and your family

1. Adjust Your Needs

Just like buying goods in general, recognize and ensure the product will like what you want to buy the main thing that you should know beforehand. Some insurance companies will usually offer you more than one product, so choose products that fit the needs, abilities, and your financial goals. The risk of what will be insured. For example, the cost of children's education, old age insurance or critical illness that might occur. Learn about and compare between the insurance products with other insurance products, and adjust to your needs.

2. Budget

Another important thing is to adjust your budget so as not to interfere with the budget for other needs. Choose from pure health insurance premiums relatively lower than investment plus insurance, if you need the benefits of comprehensive health insurance but have a limited budget. Make a monthly budget to pay for your life insurance. In the theory of financial prencanaan, ideally way is to allocate income or income between 10% -20% for insurance.

3. The 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 a very important thing. Choose an insurance company that is not problematic in terms of financial management. Monitoring the development and performance or pengelolannya one way that can be done. Verify whether the insurance company you choose is not problematic. You can see the financial statements in a newspaper or mass media sharing. See ratings and rating. Note RBC (Risk Based Capital) of the company, whether in accordance to government regulations that at least 120%. Get to know the ins and outs of both companies would you choose.

4. Service

Choose insurance insurance company that offers an extra waitress. Like having a 24 hour customer service. This will certainly help you later, if you need information about the details of life insurance products whenever you need. Learn also how claims procedures are used. Starting from the requirements up to how long your claim will be paid later. Whether the company is cooperating with the hospital, making it easier for customers to make a claim, without having to pay first. because if not, it will bother you later.

5. Do While You Healthy

Each insurance company has different criteria in terms of the health condition of their prospective insurance buyers. Some even have refused the insurance provided prospective clients if deemed not meet their requirements. Therefore it is better if you buy the insurance while you're healthy, it is of course affect the premium paid. If healthy, premium paid would be minimal compared to if you buy it at the time was sick. Do it as early as possible, while you are healthy.

Carefully consider the

Many things can be your consideration in choosing the best insurance. But consider everything carefully, do not be embarrassed to ask in detail all the things you do not understand. Consider the advantages and disadvantages of insurance you choose. Due to the nature of insurance is a long-term agreement so choose wisely and according to your needs, so as not to regret later in the future. One more thing, make sure the insurance you choose will not only protect you but also protect your family.