Insurance

Here are some Insurance tips that need to be considered.Many insurance types available in the public sector at the present time. There are health insurance and life insurance and pet insurance and many others.

Important Thing about Insurance

Sunday, July 31, 2011 | by Lestari Situmorang | ,



Of all the things in our lives, and insurance, and perhaps the important thing about insurance that is always ignored and taken for granted. Not many realize the importance of an insurance policy even in the time they need. Insurance policies are in fact defensive mechanisms put in place to use against the unconditional loss in the future to hedge against risk in the future. These policies can include a wide range of things from the health of the individual vehicles and buildings.

Correctly are actually specially designed insurance contracts and policies offered by companies to provide cover for unexpected losses and unconditional. It is known that the amount of regular customers and in charge of the insurance premium (Basic of life insurance). In the event of a sure loss, the companies paid back, either partially or in full, to customers on the basis of regular premiums paid. It is almost impossible to avoid losses in full. Perhaps you do not know when you will get sick or when it may sustain damage to property. So the principle of insurance policies as a hedge against these risks through the provision of financial security must occur such loss.

There are already complete lists of the various insurance types policies there. Individuals may seek to private health insurance to cover personal and business people will choose to cover the public to protect their property. Then again there are insurance policies on vehicles. These policies work the same as any other insurance policies, with the subsidies paid to customers should any losses occur unconditionally. There are a wide range of institutions that provide cover for any type of damages related to natural disasters or man-made. Over the past increased the popularity of vehicle insurance in full swing at the present time, and the owner of each car will move to follow, such as a cover for their cars.

Insurance policy in the market is currently witnessing a boom in Malaysia. With the increase in demand for different covers, and new Basic insurance institutions are quickly catching up to the leaders of the current market. Market with a much diluted, the customers do not have a clear picture of the insurance policies available. When faced with such a case, the customer can apply for the insurance agent for assistance. Insurance agent can assist clients in the search for policies that are designed specifically to meet their requirements. Different companies offer different policies with different benefits and cover. The client will be naturally oblivious if this information is not available to them. Insurance agent can in fact inform potential customers of the very details of the insurance policy. Does not comment some agents to specific company, these factors can provide independent, non-biased perception of the insurance policies on the market. Agents are often captive self-praise because they work for a particular company. It is doing its utmost to strengthen its policies while overlooking probably the best offers available in the market that suit different people better.

So maybe if you are an individual or entity to search for the needs of insurance coverage and access to an independent agent, and then proves to be useful to you. These factors can provide you with a complete list of insurance rates, and provide a comparative analysis between the policy and provide useful advice on the policy you choose. With this Important Thing about Insurance available, the final decision is up to you to choose a policy that is tailored to your needs.


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Basic of Life Insurance

Friday, July 29, 2011 | by Lestari Situmorang | , ,


Almost many of us buy life insurance, because we want to make sure that our loved ones and dependents in particular, remain financially secure after we die. Income replacement is the best reason people buy life insurance, this is basic principles for all basic of life insurance.

Get care providers is also important - the economic value that should be covered by life insurance - and often ignored. It also is buying a life insurance of people who are interested in achieving the objectives of specific business or real estate and transportation.

There are many insurance types’ policies depending on your goals, and there are significant differences between the prices of different companies offering similar coverage. Policies are available from hundreds of life insurance companies in the United States. Most Financial Planners recommend that each family income provider carry no less than 10 times annual income in life insurance.

Life insurance is to propose a long-term, so it must be given special attention, at the time of purchase and throughout this policy, financial stability assessments from life insurance companies in your. Assessments show the company's ability to pay claims.

Assess the needs of your life insurance

Before buying a life insurance policy, consider your financial situation and standard of living you want to maintain the dependents or survivors. For example, who will be responsible for the final medical bills and funeral costs? You have a family to move or otherwise change their standard of living after losing your income? Presumption of death is directly required to determine the current needs of life insurance for a family or individual.

Because life insurance needs change over time, should be re-evaluated to have the value of life insurance on a regular basis. We recommend that you check at least once every five years or whenever you experience major life events such as changes in income or property, marriage, divorce, birth or adoption of a child, or major purchases such as home or work.

When you calculate the short-term obligations and long-term, time to decide what kind of policy is right for you: All life insurance or term life.

Term life insurance provides coverage for a specified period of time, as the past 10 or 15 or 20; insurance premiums rise over time, but if you buy the term "level" policy, guarantee premiums remain the same. It is possible that you could outlive your policy in time, where your policy expires and you have to buy another policy if you can still get coverage.

Premiums are higher than permanent term life insurance because of charges and fees (see sidebar) that do not pay the term life.

If you decide that the rules of life is right for you, but I can not currently afford the insurance premiums for the small amount you want, and Berlin also recommend buying whole life as much as you can afford it , and fill the remainder of the value of your face with a term life. Later, you can convert your term policy to whole life.


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Insurance Types

Monday, July 25, 2011 | by Lestari Situmorang |



The Insurance covers in general situations with pure risk - that is, situations that may occur only lose. Include such cases, fires, floods and accidents. People also buy insurance against the kinds of financial losses caused by such an extraordinary dancer has her legs to cover insurance against injury. There are three types of basic insurance sold:

Health Insurance

Fist insurance types, Health insurance paid for all or part of the cost of hospitalization, surgery, laboratory tests, medications and other medical care. And increased the high cost of medical care, the need for adequate health insurance. Is it possible to suffer serious financial difficulties without coverage, particularly in the case of a serious illness or accident.

Dental insurance is one of the fastest growing forms of health insurance. It helps pay for a range of dental services.

Life insurance

Second insurance types, Life insurance that the insurance company will pay a certain sum if the person dies. This can be paid at once or in installments to the beneficiary [of people to call the insurance of the death benefit to receive. Some types of life insurance also enable the insured to save money. Such policies have a cash value. It is permissible for the policyholder to borrow money against the value of money or surrender of the policy cash value.

Pensions
These are savings plans sold by insurers on a fixed income and regular retirement offer. When [retired] annuitant dies before receiving the number of guaranteed payments, the insurance company must continue to pay to the beneficiary.

Dividends
Some insurance companies pay a portion of insurance premiums in the form of dividends. Such a policy called participating policies. The insurance company to pay dividends if the money collected in premiums exceeds the amount needed for benefits and administrative costs. May be subject to earnings a share of the profits on investments made with funds identified. The most common is to pay dividends on life insurance.

Property and liability insurance

Third insurance types, Individuals and business property and liability insurance to protect their property against financial loss to buy. Insurance on the site and provides immediate compensation in the event of damage to property of the policyholder, and destroyed, or lost due to risks. Liability insurance protects individuals and businesses from potential financial losses if their actions cause injury to others or damage to property of others.
The main types of individual coverage are:
*  homeowners insurance
* Car

The financial viability of insurance companies
The financial stability and strength of the insurance company that an important consideration when buying insurance contract. Insurance premium paid currently provides coverage for losses that may occur many years into the future. For this reason, the survival of the insurance carrier is very important. In recent years, some of the troubled insurance and have their own insurance policy without coverage (or coverage only from a government-sponsored insurance with benefits less attractive for losses).


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Basic Insurance

Friday, July 22, 2011 | by Lestari Situmorang |


Here we will discuss about the basic insurance, what insurance wrote about, the history of the formation of insurance and kinds of insurance.

Insurance? What is insurance?

Insurance is a way to protect against financial losses in various situations. It takes place in one party agrees to pay the other party financial losses due to certain events.
Insurance works on the principle of sharing losses. If you want to be insured against any loss, and agree to regular payments, called premiums, the insurance company. On the other hand, the company will contract the insurance contract.

Insurance History

Insurance thousands of years. . Insurance can be traced, as we know it today, the great fire of London in 1666, which devoured 13,200 houses. As a result of this disaster, Nicholas Barbon opened an office for building security.

Policy (Insurance Policy)

Insurance has become an absolute necessity these days. With so many insurance companies offer many different types of insurance policies, plans and policies have become more affordable for all kinds of people. Some types of insurance compulsory, others optional.

It can mean something about insurance: life insurance, car insurance, health insurance and home insurance, property insurance and disability insurance and travel insurance, pet insurance, cycle insurance, and recreational vehicle insurance, sports and so on. There may be special policies like flood insurance, ski insurance, student content, and long-term care insurance, aviation, kidnap, extended warranty and more. In short, you can buy insurance to cover any risk.

Insurance and plans that are available in the insurance premium. The policy is a contract, the insured agrees to pay a certain amount and the insurance premium and the premium in return promises to cover any costs that may arise in the future on a particular person or object that is covered by this policy. Assuming insurance coverage paid by States to this type of insurance and limitation of liability and limitations of public policy benefits, and duration of insurance, and other factors.

When approaching insurance companies to buy insurance, and the company will offer that includes all aspects such as insurance, interest, and so forth. If you agree to these terms and applications, insurance and examine whether you are eligible for insurance, then, that if you are found eligible. Speaking about the situation that you have this policy, you can contact the insurance company and claims to be paid to cover expenses incurred as a result of this situation.


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Selamat Datang

Saturday, July 16, 2011 | by Lestari Situmorang


selamat datang my fist blog


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