How to choose the right insurance product for you and your family
Most people who have a family have an insurance product that has become an obligation that must be fulfilled. This is because if a family has insurance for survival in the future or that is intended for health, it will not experience difficulties in carrying it out.
This first method, is an important tip to confirm whether the insurance seller is an official agent that has been registered or is just a broker. What makes things like this important? if someone becomes an official agent then he will have a big responsibility for the insurance product he sells.
Moreover, it is responsible for the clients or participants who are the dependents. If the person is not an official agent and does not have certification, the motivation in selling insurance products will be questioned.
The most important thing is if he is a person who does not have experience in his field or bro, chances are that you as his client will have difficulties if there is a claim because he cannot help you directly, and obviously this is very detrimental to you who have chosen insurance products that is.
How do we ensure that the insurance agent is official? that is by asking about the membership of AAJI (Indonesian Life Insurance Association). Every official agent must have been registered and has an AAJI card, both temporary and fully licensed.
So there is nothing wrong if you ask for their membership if you are offered an insurance product, to anticipate things that are not desired by you in the future. The most important thing is to ensure that the agent offering the insurance product will be able to help you in the event of a claim or taking care of administration and others.
If the agent does not have an AAJI then the first impression that will appear to you is feeling doubtful about the agent's ability and credibility.
Therefore, early consideration is done carefully, because if you are not right in choosing the loss will be felt by yourself for life. Even so, you can stop at any time to close the insurance policy. But if this happens then the loss will await you.
When deciding to consider buying an insurance policy for a product from an insurance company, the first thing you do is determine your needs first, for example, as follows:
Rian has a family and has 2 children, he has a monthly income of Rp 3 million, he plans to buy insurance products to protect himself and his family. What products would be right for Rian and his family?
After an interview that Rian wanted: all family members when they died, all family members were protected or protected when they were sick to be hospitalized, all family members were protected when experiencing critical illness,
all family members were protected when having an accident. On the other hand, Rian wants premiums that are not lost and even the value continues to increase.
Seeing Rian's needs, of course only with insurance products that can handle all those needs. But when he saw his income was only IDR 3 million per month,
the important question that arises is how much money can be provided to pay the premium per month, after all the daily needs are met? okay at this point, just assume that Rian wants to save Rp500 thousand per month.
The age of the company greatly determines the credibility of a company because it proves the existence of a company that continues to run in the face of various economic difficulties from time to time. It's just that often the age of the company is not directly proportional to service and product quality, because there are some that are old but are tied to the old management model so that eventually it doesn't develop, but at least this is the first thing you need to question.
Awards obtained, the credibility of a company is also supported by the company's ability to obtain awards. The involvement of insurance companies in the competition is very important because the insurance business base is services. So the commitment to serve customers well is proof of the company's sincerity in maintaining customer trust.
Capital, there are many opinions that non-local insurance is stronger compared to local insurance. This assumption is indeed not wrong but not right. Indeed, in reality there is local insurance that goes bankrupt because of capital that is not strong and only as a conglomerate of existing companies. But if we see not a few also local insurance companies that survive for a long period of time, even at any time can continue to exist.
No need to rush, ask some insurance companies to make illustrations and start studying the insurance product. Of course the comparison made is inseparable from the knowledge of the previous tips, so that when getting the most appropriate insurance product it is the result of careful consideration.
How to choose the right insurance product for you and your family
For those who want to have insurance products, here are some ways to choose the right insurance for you and your family1. Make sure the Seller of the Insurance Product Licensed Agent
Make sure your insurance product seller is licensedThis first method, is an important tip to confirm whether the insurance seller is an official agent that has been registered or is just a broker. What makes things like this important? if someone becomes an official agent then he will have a big responsibility for the insurance product he sells.
Moreover, it is responsible for the clients or participants who are the dependents. If the person is not an official agent and does not have certification, the motivation in selling insurance products will be questioned.
The most important thing is if he is a person who does not have experience in his field or bro, chances are that you as his client will have difficulties if there is a claim because he cannot help you directly, and obviously this is very detrimental to you who have chosen insurance products that is.
How do we ensure that the insurance agent is official? that is by asking about the membership of AAJI (Indonesian Life Insurance Association). Every official agent must have been registered and has an AAJI card, both temporary and fully licensed.
So there is nothing wrong if you ask for their membership if you are offered an insurance product, to anticipate things that are not desired by you in the future. The most important thing is to ensure that the agent offering the insurance product will be able to help you in the event of a claim or taking care of administration and others.
If the agent does not have an AAJI then the first impression that will appear to you is feeling doubtful about the agent's ability and credibility.
2. Get to know your needs and abilities first
Often you don't know the exact needs of buying something. Buying insurance products is not the same as buying tangible products (can be seen, touched) for example such as cars, houses and others. Because insurance products are basically intangible (can't be seen, touched), but the effect can be felt for life.Therefore, early consideration is done carefully, because if you are not right in choosing the loss will be felt by yourself for life. Even so, you can stop at any time to close the insurance policy. But if this happens then the loss will await you.
When deciding to consider buying an insurance policy for a product from an insurance company, the first thing you do is determine your needs first, for example, as follows:
Rian has a family and has 2 children, he has a monthly income of Rp 3 million, he plans to buy insurance products to protect himself and his family. What products would be right for Rian and his family?
After an interview that Rian wanted: all family members when they died, all family members were protected or protected when they were sick to be hospitalized, all family members were protected when experiencing critical illness,
all family members were protected when having an accident. On the other hand, Rian wants premiums that are not lost and even the value continues to increase.
Seeing Rian's needs, of course only with insurance products that can handle all those needs. But when he saw his income was only IDR 3 million per month,
the important question that arises is how much money can be provided to pay the premium per month, after all the daily needs are met? okay at this point, just assume that Rian wants to save Rp500 thousand per month.
3. Get to know insurance companies that offer products
You don't need to be rushed and confused when buying insurance products, but also not too long, because insurance protection is very necessary in this unpredictable world, you don't know when you are sick or have an accident or even worse die. To determine the credibility of a company is not an easy matter, but the things below are worthy of attention.The age of the company greatly determines the credibility of a company because it proves the existence of a company that continues to run in the face of various economic difficulties from time to time. It's just that often the age of the company is not directly proportional to service and product quality, because there are some that are old but are tied to the old management model so that eventually it doesn't develop, but at least this is the first thing you need to question.
Awards obtained, the credibility of a company is also supported by the company's ability to obtain awards. The involvement of insurance companies in the competition is very important because the insurance business base is services. So the commitment to serve customers well is proof of the company's sincerity in maintaining customer trust.
Capital, there are many opinions that non-local insurance is stronger compared to local insurance. This assumption is indeed not wrong but not right. Indeed, in reality there is local insurance that goes bankrupt because of capital that is not strong and only as a conglomerate of existing companies. But if we see not a few also local insurance companies that survive for a long period of time, even at any time can continue to exist.
4. Compare Products with Other Insurance
For this last method, you usually volunteer to go to an insurance agent, because comparing the product is the right of the consumer, so it is better to get the best insurance product from the existing one.No need to rush, ask some insurance companies to make illustrations and start studying the insurance product. Of course the comparison made is inseparable from the knowledge of the previous tips, so that when getting the most appropriate insurance product it is the result of careful consideration.
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