Having insurance has now become an obligation for everyone, especially for those who are the head of the family.
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Insurance will give you extra protection, both in guaranteeing your health, your child's future, or in the form of death compensation for your family if you die later.
There are a number of advantages to life insurance over assets. However, before you receive the benefits or benefits, it's a good idea to first identify what type of life insurance will be used.
1. Life Insurance Lifetime (Whole Life Insurance)
Life insurance for life is a type of life insurance that can protect you until death later. In addition, this lifetime life insurance can also give you peace of mind even though you have died. Your family will still live in peace with compensation from the premiums paid every month.
2.Term Life Insurance
Term life insurance is insurance whose active period is limited, for example, insurance is only active for 10 years, 20 years, and so on. This insurance can protect you for a certain period of time so that this insurance does not require premiums for a long period of time.
3.Life Insurance Dwiguna (Endowment Insurance)
The third type of insurance is endowment life insurance. This insurance is very beneficial for you. First, you can get life or health protection. Second, you can also get savings for the future.
4.Unit Link Insurance
If you choose unit link insurance, you will automatically get life insurance and invest indirectly. Income from investment will also be able to reduce premium costs every month so that premiums will be cheaper.
The following are the benefits and advantages of life insurance that you should know.
1.Easy to Claim
One of the advantages that we can get from insurance is the ease of claiming. By becoming a life insurance customer, you can get money from policy loans.
However, in this case, the purpose of the loan must be clear, for example for business capital, children's education costs, or to resolve other emergency conditions.
This benefit you can get from life insurance compared to assets so you don't have to wait too long to get the funds you need.
2. Assets Owned Protected
One of the benefits of life insurance is that it offers asset protection. In this case, you can claim insurance money to take care of all the assets of the insured who has died.
The money can be used to take care of the taxation costs of the insured's assets, the inheritance process, or the disbursement of deposits. You can also pay for the services of a notary in dealing with the name of the house or other insured assets.
With life insurance , the family left behind will have no trouble taking care of all existing assets. In addition, the insurance will also provide the family with death compensation so that your family can live comfortably and in peace with the compensation money.
3. Deliver Value Consistently
Insurance provides a safe and consistent increase in value so that the cash value of life insurance will later be guaranteed by the insurance company. With guaranteed cash value, it will be easier for you to access assets.
4.Flexible
Flexibility and few restrictions when you want to access cash values on life insurance. However, this can also be done at a certain time after becoming a customer. This will also make it easier for you to withdraw funds or money that has been stored in deposits.
5. Protecting Financials for a Long Time
Another benefit of life insurance is getting security in financial affairs in the long term. In life insurance, you can take a portion of the cash value as living expenses.
The benefits of life insurance above can be taken into consideration when using insurance. You can choose the type of insurance that is needed.
Do not let you be careless in choosing insurance that is not even profitable at all. Research before buying insurance. Also make sure you already know the insurance company.
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