Life Insurance, Why We Must Have it?

Life Insurance, Why We Must Have it?

Who can guess our life's journey ? Will it always be fun, healthy and happy as imagined? Each person would expect a comfortable living conditions, but we must realize that any of our expectations about life, God who determines all.

Maybe now we HEALTHY but one hour into the future, could be a sudden we SICK ... ..
Maybe this time we GALORE WEALTH but 3 months, to just eat it HARD ... ..
Maybe this time we are a company DIRECTOR but 6 months, to send children alone UNABLE ... ..

Life is full of mystery, we will not know what will happen in the future. Therefore, in anticipation of less favorable conditions, it takes an investment / savings protector that can cover our needs were unexpected in the future, namely by having insurance.

Each person would not expect the disaster and a wide range of risks such as illness, disability, death, accidents, house fires, loss of property and so on. But can not be denied that all that we can experience, without permission and came suddenly. What would happen if we did not have any grip, do not have money even no one who could help us? Difficult is not it?

Well, this is where insurance plays a role in our lives. When we do not have the ability and preparation to deal with these risks, we need insurance. Simply, let insurers are working according to the procedure to guarantee our lives but do not forget that to get the facility of insurance coverage, we are obliged to pay premiums on a regular basis as an investment in the future of our lives.

Insurance is one form of risk control is done by way of transfer / transfer of risk from one party to another party in this case is an insurance company. The main function of insurance is risk transfer, fundraising and premiums are balanced. A secondary function of insurance is to stimulate business growth, prevent loss, damage control, and social benefits as savings. While insurance is an additional function as investment funds and invisible earnings.

Speaking of insurance, in the USA there are many insurers that offer various advantages according to your needs. Various insurance that we often hear is life insurance, health insurance, disability insurance, accident insurance, education insurance, home insurance, car insurance, annuity insurance, etc. Each person would have a different perspective about insurance, many received positively but not infrequently also flatly refused to have insurance. So, what is in the minds of the public when it was offered insurance? Approximately answer them like this:



1. "I am not interested in taking insurance. I'm Sorry…"

It answers a very normative society when there is an offer insurance with very simple answer for no apparent reason. Even when an agent of an insurance company has not finished explaining overall, people are often rejected even consider such agents as a nuisance. Okay, this is very reasonable because maybe this time you really feel not need insurance.

ADVICE: We recommend that you listen to the explanation of the insurance agent with an open mind and a calm and understand all the advantages of insurance offered. It could have all the advantages in accordance with what you need for this. Thus, the positive thinking of the insurance.



2. "The necessities of life has been strangled. How happens if pay plus insurance per month? .... "

It also answers a very sensible when we offered insurance. This is often due to a lack of understanding of the importance of insurance and should be compared with the other necessities of life are in fact quite the 'less important'.

ADVICE: Try it analyzes your living expenses per month are 'stifling' it. Is there a need 'is not primary' who always spend? Is there a requirement that often spend less useful contents of your wallet? Try reducing the need, for example, slightly reducing the quota of money to buy pulses, hang out in cafes, shopping at the mall and set aside all of that to pay the insurance premium according to your needs. Guaranteed, your life will be safe and comfortable.



3. I'm still young, still healthy fit. I think do not need to take out everything .. "

Have you ever answered like this when offered insurance? The precise reason it if you currently do not need insurance because you're physically still look healthy, strong and rarely get sick. But the name illness or accident (sorry) the arrival of a sudden, without any perspective of young children or elderly people, rich or poor etc. Rayapun rich people who could instantly become poor because their wealth runs out to go to the doctor.

ADVICE: If you did not have enough money to insure your life or family, you should take insurance. Especially if you are still young, the premium you pay per month is certainly milder than those who are elderly. The insurance company assesses that the young have a lower risk of the disease in the elderly. So, when you are young, please take advantage of your time to have insurance that can ensure your comfort in the future.



4. "No ah. Just the same waste of money. Mending the money saved rather than take insurance .... "

Well, this may be the answer to the extreme with regard to pay insurance as an act of futility because it seemed a waste of money without any benefits. We must understand that insurance and savings basically have different benefits.

ADVICE: Again, understand first what it is and what the insurance savings. Both do have insurance benefits but more big plays when we are in a state of emergency as a result of something that happened suddenly. For savings, we will feel the benefits as already collected a lot in the long term. But for the insurance, we can feel the benefits immediately after we held the official policy (in accordance with the specified time the insurance company), even given according to our needs, not only for the premium that we paid.



5. "Insurance is a fraud. The company's own profit just want ... "

This answer shows that you only think of one-sided, that insurance company profits, but never thought about the advantages for our customers. Logically, any company the entire course aims to make a profit through the services / goods that they offer to consumers / customers.

ADVICE: Never judge everything we do not yet understand the whole. Keep in mind, all the things that would be borne by the insurance company and all its related information, all have stated in the policy. Therefore, our prospective customers are required to read and understand the contents of the policy and do not hesitate to ask the agent who offered if there are things that are not yet understood. With an understanding of the advantages and benefits of such insurance, our mind will be clear to determine whether we need to take out insurance or not.



6. "I do not want insurance. The process is complicated. They will reject my claim anyway ... "

Okay. This may be the reason that you experienced much less reasonable to have an insurance and when it is claimed, eh liquid turned out to be difficult or even declined for some reason. Well, once again, it's just a matter of understanding we will all insurance provided the insurance company that we follow. If you've actually read the insurance policy that you now hold?

ADVICE: Read your insurance policy once again. Do you understand the contents already? This is crucial when you have to deal with insurance companies to grant a claim for the problems being faced. Insurance companies have set points which it is responsible and which are not. If you have set as the policyholder legitimate auto insurance companies assume you are already familiar with everything that is stated in the policy, because you also have signed several documents on startup policy.