Most people may think that insurance is just insurance, just in case of emergency.
What do you think?
I think insurance can be an investment for securities. Auto insurances are absolutely necessary and I think the government is right on forcing everyone to have car accident insurance.
However, life insurance is another issue. Insurance companies always have the upper hand when doing the probability calculations.
The returns of insurance are not always monetary, but sometimes psychological comfort.
Senin, 16 Maret 2009
Sabtu, 28 Februari 2009
when buying insurance???
Some people ask, what about the insurance products that provide value in cash? Such as unit-linked. Where you can select the type of investment as you want. What type of insurance you should buy this or buy term insurance and invest the rest?When you compare this second case, buy term insurance and invest the rest will give better results if you knowingly continue to make investments. If you fail or delay investment because of certain things, the results may not be less than the value of cash given by the unit-linked products.
When you include that it is difficult to set aside funds to invest regularly every month, the product unit-linked insurance can be an alternative. This product provides the benefits of this type of investment that we can select and with the existing protection.
With this purchase prduk, every year (when you pay the premium every year) you will be charged the same amount of premium, in which some will be invested (the longer the larger the share of investment in comparison with protection) and some other cost-protection and other administrative costs. For more details, we have a unit-linked products in our earlier discussion of the article with the title "Unitlink as an Alternative Product Options."
Determining Insurance
Determining Insurance
Most of the people, first find out the costs of insurance products, and then determine how much the price of their be able. This is the inverse approach. Should, first step is determining how much money the insurance you need. This is influenced by many things, eg the age of your children, the lifestyle desired by the family, and how much your ability to cover the monthly loss of earnings.
If you need life insurance for the purpose of terntentu, eg to keep the cost of investment for the education of children, the calculation amount of the insurance money needed to be easier.
When you read the text on the various books about the family finances, at least 6 times to prepare you from your gross income or 10 times net income. This value may be enough for some families but may also be less for some others. But at least you have a reference in determining the value of insurance money needed to protect the family from the turmoil in the financial aspect.
Most of the people, first find out the costs of insurance products, and then determine how much the price of their be able. This is the inverse approach. Should, first step is determining how much money the insurance you need. This is influenced by many things, eg the age of your children, the lifestyle desired by the family, and how much your ability to cover the monthly loss of earnings.
If you need life insurance for the purpose of terntentu, eg to keep the cost of investment for the education of children, the calculation amount of the insurance money needed to be easier.
When you read the text on the various books about the family finances, at least 6 times to prepare you from your gross income or 10 times net income. This value may be enough for some families but may also be less for some others. But at least you have a reference in determining the value of insurance money needed to protect the family from the turmoil in the financial aspect.
Life Insurance and the requirement for the Family
Life Insurance and the requirement for the Family
Society in general, are reluctant to dismiss the importance of planning or insurance. When they were by insurance agents, they will avoid. This may be because the insurance agents themselves, where they are often forced to sell or push selling.
Insurance agents often sell products that are not in accordance with the needs of the clients, so that clients feel wronged. Motivation arising from the part of insurance agents get a commission is the largest of this type of insurance product that is not the needs or desires of clients.
With background on the story, the people we become when dealing with reluctant insurance companies. They have not made into one of the insurance needs of life for families. Therefore, we try to comment about the importance of financial insurance for the family, both short and long term. For example, life insurance (life insurance).
Type of the oldest insurance provides protection against the left side (family, heirs) when someone dies, either suddenly or in accordance allegations. This is financial protection. However, this protection finasial impact can provide psychological and other social-emotional. At least not until they feel lost all financial support from the people who died.
If you still have not lanjang and marriage may be better if you buy health insurance (if there is no benefit from the company). Or maybe you can buy insurance for illness or ordinary kristis called critical illness insurance. With this insurance, if you terdiagnosa, then you will get the money at once or Lum sump, which can be used to meet your daily needs.
For those who still lanjang, buying life insurance in a limited number can also be done. This is of course at the same time with the investment must be made on an ongoing basis.
For those who have property in the amount of buying insurance may not be needed. Useful insurance to protect families from the damage left by the financial order, if the risk occurs, any death, the family who does not feel left in the case of financial hardship because of the amount of funds that have been left large enough for his family.
Society in general, are reluctant to dismiss the importance of planning or insurance. When they were by insurance agents, they will avoid. This may be because the insurance agents themselves, where they are often forced to sell or push selling.
Insurance agents often sell products that are not in accordance with the needs of the clients, so that clients feel wronged. Motivation arising from the part of insurance agents get a commission is the largest of this type of insurance product that is not the needs or desires of clients.
With background on the story, the people we become when dealing with reluctant insurance companies. They have not made into one of the insurance needs of life for families. Therefore, we try to comment about the importance of financial insurance for the family, both short and long term. For example, life insurance (life insurance).
Type of the oldest insurance provides protection against the left side (family, heirs) when someone dies, either suddenly or in accordance allegations. This is financial protection. However, this protection finasial impact can provide psychological and other social-emotional. At least not until they feel lost all financial support from the people who died.
Life Insurance
In the protection plan, the first step is determining whether you need insurance for protection? In short elimination is a life insurance fund to protect or maintain the life of a beloved family. If you do not have the financial responsibility for other people (family), you do not need life insurance.If you still have not lanjang and marriage may be better if you buy health insurance (if there is no benefit from the company). Or maybe you can buy insurance for illness or ordinary kristis called critical illness insurance. With this insurance, if you terdiagnosa, then you will get the money at once or Lum sump, which can be used to meet your daily needs.
For those who still lanjang, buying life insurance in a limited number can also be done. This is of course at the same time with the investment must be made on an ongoing basis.
For those who have property in the amount of buying insurance may not be needed. Useful insurance to protect families from the damage left by the financial order, if the risk occurs, any death, the family who does not feel left in the case of financial hardship because of the amount of funds that have been left large enough for his family.
comparison guaranty insurance for damage insurance market in many major world
Here is a comparison guaranty insurance for damage insurance market in many major world:
Sumber: Financial Risks of Climate Change, Association of British Insurers, 2005
Sumber: Financial Risks of Climate Change, Association of British Insurers, 2005
Benefits Insurance General in Facing Climate Change
Benefits Insurance General in Facing Climate Change
In the last two centuries, human activity has encouraged the increase of greenhouse gases, like carbon dioxide (CO2), the atmosphere in the hot sun like a blanket, warm climate of the earth and create a "global warming". Since industrial revolution temperature average in the earth has increased dramatically and very quickly. Studies indicate that increases in temperature in recent years may cause the increase in frequency and severe its natural disasters such as hurricanes and tropical cyclone. This and other changes will provide a large consequences for life in the world.
Business community of the world began to realize that climate change may cause the physical risks and risks related to weather in the future. Vice Chairman of Merrill Lynch recently stated "We are doing experiments with chemicals that great consequences awesome against our environment, our economy, and human life." Meanwhile, the Goldman Sach's statement in the policy environment in the year 2005 states that climate change is one of the most challenging environment of the twenty-first century and closely associated with other important issues such as economic growth and development, elimination of poverty, access to clean water , and offers enough energy.
Some of the latest scientific findings represent some of the facts that worry, that the increase in global sea surface water is estimated to increase the minimum average of 0.28 m in this century. Apart from the risk of forest fires will be worsened with the natural trend as the temperature increases, the dry conditions. Climate change is also estimated to affect the hydrological cycle, which can cause flooding. Even floods will very likely will cause major economic losses in the years to come. Sea water temperature is warm, more will also be very likely to increase hurricane intensity. All of this comes with a large population growth and increased investment in a region very vulnerable to damage from the effects of climate change.
In the last two centuries, human activity has encouraged the increase of greenhouse gases, like carbon dioxide (CO2), the atmosphere in the hot sun like a blanket, warm climate of the earth and create a "global warming". Since industrial revolution temperature average in the earth has increased dramatically and very quickly. Studies indicate that increases in temperature in recent years may cause the increase in frequency and severe its natural disasters such as hurricanes and tropical cyclone. This and other changes will provide a large consequences for life in the world.
Business community of the world began to realize that climate change may cause the physical risks and risks related to weather in the future. Vice Chairman of Merrill Lynch recently stated "We are doing experiments with chemicals that great consequences awesome against our environment, our economy, and human life." Meanwhile, the Goldman Sach's statement in the policy environment in the year 2005 states that climate change is one of the most challenging environment of the twenty-first century and closely associated with other important issues such as economic growth and development, elimination of poverty, access to clean water , and offers enough energy.
Some of the latest scientific findings represent some of the facts that worry, that the increase in global sea surface water is estimated to increase the minimum average of 0.28 m in this century. Apart from the risk of forest fires will be worsened with the natural trend as the temperature increases, the dry conditions. Climate change is also estimated to affect the hydrological cycle, which can cause flooding. Even floods will very likely will cause major economic losses in the years to come. Sea water temperature is warm, more will also be very likely to increase hurricane intensity. All of this comes with a large population growth and increased investment in a region very vulnerable to damage from the effects of climate change.
Insurance Against
Insurance against the impact of increasing prosperity is done with the knock limit of the business, product innovation and technology to provide for net entrepreneur. This cut off the chain tendency for investors to put their money in the field of "safe" areas of the mengubahkan. Oil and gas industry is a good example on the industry with high potential risk of development supported by the insurance. Insurance helps to direct investment and encouraging increased business, by showing the real costs of risk to the individual companies and industries. Insurance cover the cost of almost all business obligations. Without insurance, many companies are good because you can close a very temporary problem. Having insurance means that individuals and businesses do not need to maintain excessive cash reserves to maintain themselves against risk. Insurance free for them to spend and invest.
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