Insurance ..?! word will imagine our minds is very difficult in the settlement of a claim, the insurer will not pay claims to its customers, or the agents who often chase us to buy their products .. .. huuuuhhhhh all that irritating and annoying ..! Let us throw away the bad thoughts (negative thinking.red). Now let us consider first the "couching clinic" that I will give, may help you.

First :
Your goal is to follow what insurance? If you enter only to protect Life Insurance (Life Protection) without any other benefits you would get then you'd better to choose the insurance that are Traditional (Traditional Insurance), it is why? since if you follow the program Traditional insurance premiums you would pay would be relatively cheap compared with Insurance Program which has other benefits besides the Life Protection. Examples of this insurance program, among others: Accident Insurance (Personal Accident), Lifetime Insurance (Whole Life), Insurance Futures (Term Life), Insurance Dwiguna (Endowment), or Annuity (Annuity). But if your goal follow Insurance Program to get other benefits such as the investment element then you are advised to follow Insurance Program which has an investment element which is known as Unit-Link, because in addition to the protection of life but you also will get your desired investment results. This program is one of the tactics of insurance companies in the world and Indonesia to further make the public more interested in buying insurance products. But one thing to be remembered by us all that you do not ever think that the purpose of buying an insurance program to benefit a great and fantastic. Suppose you buy insurance for your Parents and Parents who already have the disease for the insured because you expect the cost of hospital treatment will be borne by the insurance company or if a parent dies the world will get great benefits. It is a great one and throw away from your mind. Because the insurance company does not "stupid" and so easy to accept your Parents to be insured in the Insurance Company. They usually will give the form of exclusion clause (clause exception to a number of diseases) or in the form of extra mortality (make your premiums more expensive than normal because the level of risk of death was higher) or also the use of pre-exisitng Condition (Condition of pre-existing diseases that are not borne by the insurance company). If you have so many restrictions and narrowing of benefits made by the insurance company, then perhaps later on you'll only get a refund any premiums already paid. Now, Therefore, do not ever occurred to you to reap the benefits with the insurance program.

KEY WORDS >>>>> Participate Insurance Program is not to get a big advantage and fantastic but to get the Protection of Life and Financial Account for you and your family.

SECOND :
Introduction of the principle of Utmost Good Faith (Good Faith)
This principle must be adhered to by both parties both Insurance Companies and Insured. Most problems Claims are not paid by the insurance company because of a deviation principle. Let's say that you often do not realize when completing the SPPA (Letter of Request for Closure of Insurance) or SPAJ (Closing Letter Life Insurance) or questionnaires given insurance company when you want to buy an insurance product does not reflect or describe your actual situation. Usually there will be questions in the questionnaire whether you have been smoking or had smoked in the previous 2 years? If it turns out you're a smoker or never smoked at the time two years ago should you write "Yes", but because you think it is not important and you feel very healthy now or it could be because you are afraid your premiums go up and write "No" in in that field. Once you make a claim due to be hospitalized, it would be a problem for you. When making a claim to the Parties Insurance Insurance Companies will open old files one such SPPA. Unfortunately after getting the medical report you turned out to be hospitalized because of heart disease caused by smoking, then the insurance company will very firmly to mebuat your claim is invalid and will be rejected by the insurance company. Therefore, please fill out SPPA / SPAJ is an honest, good and true.
KEY WORDS >>>>> Good Faith is a principle underlying the agreement between you and the Insurance Contract Insurance Company by karenya must be adhered to by both sides, and fill in the SPPA / SPAJ is an honest, good and true in order to avoid Fraudulent infromation ( incorrect information) and the edges Claims will not be paid by the insurance company.

THIRD :
Adjust to Your Needs and Budget
If you want to buy insurance do not see the benefits provided but the benefits of what I would later use. Because, in principle, the more benefits the greater the premium to be paid by you. Examples are health insurance products, which includes covering the whole range of diseases (only illustration) and then there are programs that cover a number of diseases that are very often we come across for developing the disease, then maybe you should if you have a mediocre budget then you should choose a product that you really need. If you impose the will to buy a super-comprehensive insurance product and a mediocre budget is very dangerous for you. Especially if you get delinquent premiums and has passed the grace period (grace period for premium payment) for approximately 60 days, then your policy will lapse immediately at (canceled) by the insurance company, and all benefits in the insurance does not apply anymore when you make a claim .
KEYWORDS >>>>> Buying Insurance Products to suit your needs so that you avoid the trouble to pay premiums and other subsistence.






FOURTH : Select Insurance Company that really You Trust will operate in the long term.
There are three (3) the main requirement in my opinion to see if the insurance company will still exist or not:

1. Aspects of Asset and Capital

2. From the aspect of RBC (Risk Based Capital)

3. From the aspect of availability of a Branch Office

Aspects of Asset and Capital have been very clear, a growing number of Capital Assets and the stronger and the logic would be difficult to go out of business. In terms of Risk Based Capital (RBC), the RBC is high (usually in percentage terms) the better, meaning that if the RBC is intended to represent all customers to make claims of how much money is still available at the company. MOF is currently not set to be smaller than 120% RBC her. With a 120% RBC means the company still has reserves of 20% of all claims that may occur simultaneously. From the aspect of availability of a Branch Office, the more branches the better, because the logic of a company that has a lot of money to set up branches in these areas are companies that have set up long-term business plan so it will not be easy to go out of business and this can be a mirror that the company really is fully concerned in the business. You must be observant and careful before you decide to choose a program from an insurance company. Do not just look in terms of Joint Venture with strangers, then you immediately rush and without thinking about it long again to buy. Not necessarily the company has a network spread across small towns in Indonesia. But also vice versa do not choose a small insurance company that does not have branch offices in other cities that will be difficult for you to make claims later.

KEYWORDS >>>>> Select Insurance companies that have the capital, assets and RBC strong and extensive network of branch offices.

By following the steps above, hopefully you will no longer experience unpleasant things when dealing with such thing as insurance. Since the purpose of insurance is to provide financial protection for you and your family in outline. Finally, we will be getting the real meaning and benefit from the name of Insurance.