How to Choose the Right Insurance Product for You and Your Family

How to Choose the Right Insurance Product for You and Your Family
   
Most of the people who have a family have insurance products have become an obligation that must be fulfilled. This is because if a family has insurance either for future survival or for health, it will not experience difficulties in carrying it out.

You have to choose the right insurance that is tailored to the needs, so that the insurance you use can be used appropriately and optimally, said the Executive Director of the Indonesian Life Insurance Association or better known as (AAJI) Benny Waworuntu said, in the Journalist Class & Gathering held by OJK at Akmani Hotel, Jakarta.

For those who want to have insurance products, here are some ways to choose the right insurance for you and your family:

1. Make sure the Insurance Product Seller is AAJI Licensed Agent
Make sure your insurance product seller is licensed

Licensed Product Agent via castlerockco.com

This first way, is an important tip to confirm whether the insurance seller is an authorized agent that has been registered or 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 products he sells.

Moreover, it is responsible for the clients or participants who are dependent. If the person is not an official agent and does not have a certification then 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, brokers are most likely you as a client will have difficulties if there is a claim because he can not help you directly, and obviously this is very detrimental to yourself that has already chosen insurance products that.

How do we ensure that the insurance agent is official? namely by asking the membership of AAJI (Indonesian Life Insurance Association). Each official agent must have registered and has an AAJI card, both temporary and fully licensed.

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So there is no harm if you ask for their membership if you are offered insurance products, to anticipate things that you don't want in the future. The most important thing is to ensure that the agent offering the insurance product can later help you if there is a claim or take care of administration and others.

If the agent does not have AAJI then the first impression that will appear to you is a sense of doubt with the ability and credibility of the agent.

2. Recognize Your Needs and Abilities First
Get to know your needs and abilities

Get to know your needs via keypersonofinfluence.com

Often you don't know the exact need to buy something. Buying insurance products is not the same as buying tangible products, such as cars, houses and others. Because basically insurance products include intangible (can not be seen, touched) but the effect can be felt for life.

Therefore the preliminary consideration that is done carefully is very decisive, because if it is 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 to determine the needs in advance. The examples are as follows:

Rian has a family and has 2 children, she has a monthly net income of IDR 3 million, she plans to buy insurance products to protect herself and her family. What products are right for Rian and her family?

After interviewing that Rian wants: all family members when they die, all family members are protected or protected when they experience pain to be hospitalized, all family members are protected when they are critically ill, all family members are protected when they have an accident. On the other hand, Rian wants premiums that are not lost and even increase in value.

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Seeing Rian's needs, of course, only with insurance products that can handle all these needs. But when you see that his income is only IDR 3 million per month the important question that arises is how much money can be provided to pay a premium per month, after all the daily needs are met? Well, at this point, just assume that Rian wants to save up to Rp. 500 thousand per