One solution to the development of edification of the heart is the fruit of insurance edification plan which is issued by life insurance companies in the country. There are many brands and the name of this type of insurance, depending on the insurance companies that remove it. As consumers, we certainly need the kind of Tips and Trick in selecting insurance products and insurance companies who can remove it which made us as a partner. Some guidelines are:
A. Selecting Products Insurance Education
1. Set a goal of education of children, such as child planning proceed from elementary to university level category with the school (Public / Private, Region / City / Capital, In / Overseas)
2. Calculate the cost per school of each education level is planned.
Perform calculations with the help of financial planner or adviser, or at least understand that the financial problems (relatives, friends, neighbors or even) or calculated by considering the cost of their own that will arise in the future (future value) to include the assumption of inflation per year level.
3. Calculate the fund's income must be based on the cost of before; to get the cost of education can plan. Simulate the fund is to save per year, semester, quarterly or monthly. For that analysis should be performed between the needs and abilities when the capacity is not sufficient do the adjustment.
4. Make a list of insurance products that education will be selected, from several insurance companies if necessary.
5. Once you select, buy any product that has a benefit / benefit most and relatively good fit with the most desire and your ability.
6. Undertake supervision and monitoring of any of the products selected, if necessary, to do the same companies that issue the product.
B. Criteria Selecting Life Insurance Company:
1. Risk Ratio Base Capital (RBC)
At least according to the Government decision of the RBC ratio is 110% insurance, so look for insurance company that has a ratio of the above (can be seen from the financial report). RBC ratio reflects the strength of life insurance companies in terms of finances to meet the obligations to customers in case of a claim.
2. Company Financial Reports
Financial reporting is a means of measuring levels of health insurance companies. There are several companies that cannot provide financial reports; this may indicate that the company concerned to cover the actual financial performance that is not healthy. Choose a company that consistently publishes financial reports (usually in the newspaper) for at least 2-3 years.
3. Experience
Experience is the best teacher. Saying that is applicable in the insurance world. With experience and many hours of flying can be the size of the extent to which the company is able to survive and is able to meet its obligations to customers. Choose an insurance company that has experience and a lot of flying hours, and claims payment history of good service, have a wide network offices to branches, and agencies as well as variations in the fleet products offered by many.
Points above are a few things that must be considered in selecting insurance products. Main core of that education is the son-daughter you must be prepared since the beginning, while we have the ability to set aside funds to education. Plan will be better than the worse incident late we override.
A. Selecting Products Insurance Education
1. Set a goal of education of children, such as child planning proceed from elementary to university level category with the school (Public / Private, Region / City / Capital, In / Overseas)
2. Calculate the cost per school of each education level is planned.
Perform calculations with the help of financial planner or adviser, or at least understand that the financial problems (relatives, friends, neighbors or even) or calculated by considering the cost of their own that will arise in the future (future value) to include the assumption of inflation per year level.
3. Calculate the fund's income must be based on the cost of before; to get the cost of education can plan. Simulate the fund is to save per year, semester, quarterly or monthly. For that analysis should be performed between the needs and abilities when the capacity is not sufficient do the adjustment.
4. Make a list of insurance products that education will be selected, from several insurance companies if necessary.
5. Once you select, buy any product that has a benefit / benefit most and relatively good fit with the most desire and your ability.
6. Undertake supervision and monitoring of any of the products selected, if necessary, to do the same companies that issue the product.
B. Criteria Selecting Life Insurance Company:
1. Risk Ratio Base Capital (RBC)
At least according to the Government decision of the RBC ratio is 110% insurance, so look for insurance company that has a ratio of the above (can be seen from the financial report). RBC ratio reflects the strength of life insurance companies in terms of finances to meet the obligations to customers in case of a claim.
2. Company Financial Reports
Financial reporting is a means of measuring levels of health insurance companies. There are several companies that cannot provide financial reports; this may indicate that the company concerned to cover the actual financial performance that is not healthy. Choose a company that consistently publishes financial reports (usually in the newspaper) for at least 2-3 years.
3. Experience
Experience is the best teacher. Saying that is applicable in the insurance world. With experience and many hours of flying can be the size of the extent to which the company is able to survive and is able to meet its obligations to customers. Choose an insurance company that has experience and a lot of flying hours, and claims payment history of good service, have a wide network offices to branches, and agencies as well as variations in the fleet products offered by many.
Points above are a few things that must be considered in selecting insurance products. Main core of that education is the son-daughter you must be prepared since the beginning, while we have the ability to set aside funds to education. Plan will be better than the worse incident late we override.
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