Life insurance now has a wide range of products. Therefore, you need to see which products to suit your needs. Don't get wrong product wrong even select an insurance agent. For that, you need to know a number of things that need to be made in selecting the right insurance product.
CEO TGRM Financial Planning Services, Taufik Gumulya, told Kompas.com, in Jakarta, suggested a few things that need to be observed clients who want to choose a life insurance product. "If talk of life insurance, we must look at their insurance companies first. Before we mengkalkulasikan money pertanggungannya needs how much, "said Taufik.
Why would the company be to watch out for the first time by the customer? According to Taufik, not a few insurance companies that closed or do not last long. While insurance is not only belong to the customer who has a mere insurance product. "Because you are buying a family for the future of the future, not him. So heirs," added he.
Well, after choosing a company that clearly, then the customer should see the risk based capital (RBC) insurance companies. Simply put, RBC is a measure of the memcerminkan level of financial security insurance company. The greater the ratio, the more healthy financial condition of the company.
"RBC his minimum 125 percent," stated Taufik. That is, the percentages indicated the company still can pay, if someday all of customer claims. "There's still a spare (the rest of) 25 percent, so to put it simply, even if there is a special formulation (to count them)," he added.
Then, he continued, the new customer mengkalkulasikan himself in economic value. This is because life insurance is required for those who have an economic value. "So, the children are not yet right for the diasuransi of the soul, because there has been no economic value. Except the children, being a celebrity (or) becomes the star of ads, it's another story, "he explained.
So it is with parents who have children with the condition established inappropriately given life insurance. "So it is more appropriate to the age of their productive in this case. If life insurance is like that, "said Taufik.
Calculation of the economic value of customer self would later affect the calculation of the sum assured. This is given if the customer dies, then the sum assured will be out and received by the beneficiary.
As to the sum assured, he asserted, the money should be able to be capital family to make his future. Good for children's tuition fees, the cost of household operations until his retirement.
"So, I first suggested, (if) you want to take a look at the life insurance company, because this is for the future of your children, your wife, or your business. After that you count its economic value. There select the product properly, "stated Taufik