FINANCIAL FREEDOM

Before answering I will tell you about someone call her name Mother Melati. A successful entrepreneur and has very many assets, its business covers property, gas stations, retail or retail store, and has begun shipping business. All the assets that he was insured and there is nothing left to get insurance coverage.

And I’ll tell you what the biggest secret was not well known business partner? Yes, it was Mother Jasmine did not have any single insurance policy for himself. He felt all his assets will be able to protect themselves.

So what happened? Please continue reading, I will tell the most important part of this story. One by one the assets released because economic conditions are not right. Slowly and ended up staying only company that still he maintained. Finally, they even had to removed to hospital costs. Difficult circumstances. Sadly, we can even say horrible.

But it did not happen, it was a secret. That would happen if someone kept postponing having a policy. Jasmine decided to take the policy with the maximum sum assured and can be a wonderful legacy for her children. He also decided to not always accept the storm of economic crisis and the market situation which is always vulnerable to the business. He was aware of the risk of pure-owned by anybody.
You can start from now to plan an insurance policy which you can use as collateral to secure your assets or income. A policy is the most appropriate solution.

Not only the maximum sum assured, the customer will also receive emergency funding for medical critically ill when infected, and hospitalization benefits, and also the cash value that can be used at any time. Begin a life policy and you will not be the same again.

Be careful if you want to be customers of insurance in this country. Image that the person or agent of an insurance business managers who are not professional, it is still “stuck” in their souls. How not, their agents or whatever his name, will only give you things that are nice about insurance products to sell and always trying to convince prospective customers that they are agents as “philanthropist” who are preparing our future.

The lure that the insurance company that they introduce is the best, will not disappoint the customer, is a weapon who tried to thrust into the heart prospective customers. And that, indeed they will do to stab into our souls. That is what they specify to close a protected term. They are the agents, will smile and return to the office with a file prospective customers with a message “wait two weeks” then the policy will come out.

Did you know, when there are customers who seized the disaster, in which one family member fell ill and had to undergo during hospitalization, those who claim to be an insurance agent or manager, nothing to see. In fact, until the outside of the hospital, they do not care. They just say hello and expressed his concern over the phone. Really disappointing and did not show any service.

Even more disappointing, to claim the cost of treatment, clients feel tricked. They said 10 working days will be completed. But, in reality, despite reaching two months, did not visit a liquid. Those who claim agent or leader, does not care about the feelings of disappointed customers. Instead they seek “black sheep” of the customer’s delay in paying a premium is a constraint. Whereas, in the direction given to the agent, although in a month is not paid the premium, they (the insurance) will continue to pay claims. Whereas the amount of funds is not going to claim big. But, that’s how they work insurance people. Are important to them, potential customers have already signed and the commission they can for the first year. How much sin those who claim that the insurance agent. They enjoy the commission, then no matter what happened to the customer when a claim which was created to fight the process becomes complicated.

Traditional insurance is divided into three types of products:

1. Term Life, which is where the nature of life insurance is very cheap, with a huge coverage. Examples of accident insurance easy is that we often buy in the airport. It’s cheap, but if there is an accident, would be a big help. Another example is the vehicle insurance, or home. Other characteristics of these products are the money burned, if no claims during the contract period. We know that the cheap car insurance coverage compared to his. But if in one year does not happen a claim, the insurance money will evaporate. Premium payment period is also the insurance contract. Usually between 5 to 20 years. If you choose 5 years, it can be extended with the increase in premiums, without the risk selection process again.

2. Insurance is valid for life, which lasted only premium payment years. Of course the premium is more expensive than term life, but as the name suggests, we do not have to pay as long as we want to have insurance. These products also contain a savings element. If in the future we no longer want to have insurance, then we can surrender the policy and get some money as a cash value.

3. Endowment, the life insurance plus savings. The most simple example is insurance education, where there is life insurance plus the value of liquid savings in certain years. Cash value that came out was certainly, as listed in the policy. This product is suitable for people who love ‘play safe’, although the risk is going to lose cash value with inflation.

If you want insurance, but the confusion and get the insurance company products that match your risk profile facing, there is nothing wrong if you use an insurance broker services. Do not worry about this one broker, you will not be charged a fee free alias.

Not many know is that this insurance broker profession. Even more rare was also the wrong perception that you alone must pay the brokerage fees. Or concern that the premium to be paid the insured will be much higher if the insurance through an insurance broker. And people who use services do not have to provide insurance fee (paid) to the insurance brokerage services.

Insurance broker is not just a liaison between the insured with an insurance company, but at the same time provide consulting services for prospective insured. For prospective insured could still confused choosing the right insurance company according to risk profile, especially the insurance industry is now more competitive with the number of insurance companies are increasing a lot. This is an insurance broker who will choose a secure insurance company to the insured. The insured will get insurance consulting, competitive insurance products and premiums are reasonable.

Not only that, insurance brokers, too, who will take care of settlement (a claim) at a later date if there paying compensation claims. So the insured does not have to bother taking care of themselves. Again and again, they will not charge you a penny to the insured. Clearly this is very helpful, because often the insured difficulty taking care of insurance claims. Then from where the company paid insurance broker?

According Kapler, brokerage revenue comes from insurance companies who have chosen the insured, of course, on the advice of brokers. Broker function is like a salesman for an insurance company, so the components of marketing costs, survey and administration contained in the premium to be part broker.