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You may already be familiar with life insurance, which is often offered by many insurance companies in Indonesia. If you are still not sure what each insurance product means, we will explain it to you in detail. Life insurance is a written contract between the insured and the insurer. This insurer bears a number of costs in the event that the insured dies due to various reasons. However, before doing so, you must pay a premium for the best life insurance policy to protect yourself from unexpected financial loss in the event of death.In principle, this type of insurance can be taken on behalf of a person or a third party. Where do you buy this type for parents, husband, wife, children or close relatives? So if an unexpected event occurs to the insured, it can be claimed on behalf of the insured. There are various types of the best and most trusted insurance that the people of Indonesia can choose from. But before we explain some of the best types of insurance, it helps us understand how important the role of life insurance is in life.
Protection of family income funds. No one can predict what will happen in the future. Therefore, to prevent the possibility of a disaster, it is better to take out life insurance so that families left behind in Indonesia still receive compensation or dependents.
Self-protection from the risk of disease that leads to death. According to WHO, the ten types of diseases that are the main causes of death in Indonesia are coronary heart disease, tuberculosis, vascular disease, respiratory problems, traffic accidents, diabetes, diarrhea, high blood pressure, etc. Remember to protect yourself if you are at risk is that you will eventually catch the disease.
The 2 best types of life insurance below
After you understand the reasons behind the importance of choosing life insurance, you need to know the best type of life insurance. The goal is that people can make smarter choices of species based on benefits, needs, and ability to pay premiums every month. Here are some of the best types of life insurance recommendations you need to know.1. Term life insurance
Life insurance or life insurance has the function of protecting the insured for a certain period of time. The contracts that companies offer to the insured are usually between 5, 10 and 20 years. The premium sets are also very affordable and relatively inexpensive. This type of insurance is highly recommended if your family's future is a priority for you. This type is also very suitable if you have a big need and can only afford to pay a limited amount of premium.This type of life insurance offers several advantages. One of them is that you can freely determine the amount of the bonus according to your possibilities. In addition, the sum insured that can be obtained by policyholders is billions of rupiah. This means that if the insured dies during the contract period, you will receive a relatively large sum insured.
2. Whole life insurance
Unlike the previous items which offer lifetime coverage in some contracts, life insurance offers lifetime coverage. However, some companies limit the benefits of this protection until the insured reaches the age of 100. This type is highly recommended if you do not have many dependents. In addition to benefits such as death benefits, this type is also very useful as a long-term savings idea. So, if you want to have life protection and savings for emergencies, you can consider getting this insurance policy.Some of the benefits that the company offers to users of this font are:
Policyholders can receive the cash value of the amount of premium paid.If you don't pay regular premiums, you can use the present value of the premiums paid.
Prizes that have been paid will not be lost if no one makes a claim.
At the end of the contract, the entire guarantee amount is returned to the policyholder.
Before you decide on the best type of life insurance, it's a good idea to collect a lot of information and compare everything to get the best life protection in the future.
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