Monday, 10 August 2015
Life insurance, health insurance, best insurance
insurance is important - habibieDalam insured life
insurance is caused by the death (death). The deaths resulted in loss of income
of a person or a particular family. Risks which may arise in the life insurance
mainly lies in the timing (time), therefore it is difficult to know when
someone dies. To minimize these risks should be insured life insurance
customers.
What is a life insurance?
Understanding life insurance is the insurance that
aims to bear against unexpected financial losses caused by the death of his
life too fast or too long. Here illustrated that in life insurance, the risks
faced are:
1. The risk of death.
2. Life someone too long.
It is, of course, will bring a lot of aspects, if
the risks inherent in a person is not insured with a life insurance company.
For example guarantees for descent (dependents), a
father that died prematurely or with a sudden, the child will not be neglected
in her life.
It could also happen to a person who has reached the
age ketuaannya (old age) and not being able to earn a living so it is not able
to pay for her children, then by a customer at Allianz life insurance risks
that may be suffered in terms of lost opportunities to earn a living will be
borne by insurance company.
Life insurance institutions have boondoggle with the
main goal is to assume or guarantee person against financial losses. Below we
can see how important the role and purpose of life insurance.
1. In terms of the general public (social)
Life insurance can provide certain benefits to the
individual or society, is as follows.
- Reassuring head of the family (husband / father), in the sense of giving income security, education, if the head of the affected families which caused death.
- By purchasing a life insurance policy can be used as a tool for saving (saving). In general, the per capita income of the people is still very low, therefore, in practice it appears that people's desire to buy a little life insurance.
- As a source of income (earning power).
This can be seen in countries that have been
developed, one which is "key" in the company will be insured by the
company where he worked. This needs to be done given the importance of the
position he held. Many would least affect on the lives of the company's going
concern (ongoing). For example an atomic / nuclear will be insured his soul
when he dies or illness, the company is obliged to pay compensation. These
examples do not we meet in Indonesia, because our country is not yet so
advanced in the industry when compared to western countries.
- Another purpose of life insurance is to ensure the treatment and warrants to suppose that insure offspring can not afford to educate their children (scholarship / education). That many of us encounter in practice is, insurance coverage for the risk of death, while the rest of coverage yet so advanced rapidly.
2. In terms of the government / public.
Life insurance companies in our country are large
operations, generally belongs to the government. Here we connect with
government regulations, namely Law No. 19/1960 on the division between state
enterprises. The division of activities as listed in the following sectors.
- Production sector (state industrial enterprises, state-owned plantation company, and the state mining company).
- Marketing sector (commercial company).
- Sector provision of facilities (state insurance companies, government banks and other state-owned service companies).
It can be concluded here that the insurance company
is a financial institution that provides financing facilities to be used in the
stage of economic development of Indonesia. Based on Law No. 19/1960, turns
contribution to the economic development of insurance institutions are:
- As a means of capital formation (capital formation).
- Savings institutions (saving).
So it can be said that the purpose of the insurance
company is to help build a national economy in the field of life insurance per
accordance with Repelita, by prioritizing the needs of the people and the peace
and pleasure of working within the company towards a just and prosperous
society materially and spiritually.
Life insurance can really give you some benefits, especially your family when unexpected things happen to you. We can't see the future, and the risk is always out there.
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