Confused in Choosing Education Insurance

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Confused in Choosing Education Insurance

This is only a sample only and do not constitute a recommendation or solicitation to invest for everyone. Every person has a risk profile that is different, do investments in accordance with the risk profile, objectives, and your financial period.

Investing in the stock market and other investment products are at risk, whether the risk of a decrease in investment funds or lose money on your investment. The results of past investments is not fixed and is not a guarantee to achieve the investment in the future. Prospective investors are expected to learn financial products and investment carefully before investing.

Insurance is a way of transferring a risk on a financial loss. For Insurance Education itself can be categorized as endowment insurance (universal life).

Before I discuss about the insurance education, it is good we first equate our perception of the children's education fund.

There are two basic goals when we want to educate our children in an educational institution, namely:

1 Maintenance intellectual aspect, which also includes aspects of physical, mental, heart, emotional and spiritual

2 Maintenance of the best aspects of our descendants.

For that there are three principles that need to be held before deciding to take out insurance or investment education, namely:

1 is the first school house (the first school at home) and parents are the primary teachers (the first teacher is family)
This means that no matter how great a school, can not replace the role of parents, home and environment in which the children live. In addition to quantity, the quality of the interaction (quality of time) between the family and the child will be more leverage in becoming a true learner.
From the aspect of financial motivation, it will reduce the costs of your child's education such costs and expenses extracurricular tutoring

2 Education is a long-term investment world and the hereafter, not a cost
If the average inflation of 15 percent of education will inevitably and like it or not, you have to budget for the education budget every year, and this has become a sort of primary requirement.
From the perspective of the provider of insurance education, insurance education has to be provided from your child that will be born can be felt up to PT (Higher Education).

3 Knowing the total expenditures for the candidate of your child's school
This is where the need for research on the costs of various schools with various strata in your city.
These costs include:
a. Money base, it would be better if you can ask for discounts or scholarships from the school can you go
b. SPP, always be on time and avoid fines or penalties
c. Transport, look for the location of a school that is close to your home so no transportation costs. Even if there are costs, allocate funds for car pooling or pick up a friend alternately with your child's school or your nearest neighbor. It could also hire a motorcycle taxi for the monthly shuttle from home to school
d. The books, for books can be borrowed from the seniors or neighbors who had already entered or can be downloaded from the eBook are provided by the government through the Department of Education
e. Extra-curricular, extracurricular choose the talent and passion of the child, and hopefully produce such writing, KIR / Scientific Teens, EO / Event Organizer and forth


Once we know the 3 principles that need to be held before deciding to take out insurance or investment education, then it is advisable to first listen to the following facts:

1 Do not get caught or ingested insurance jargon as "definite benefit in certain years"
Make sure what is advertised in accordance with the fact
2 Insurance companies generally set unilaterally the yield rate of the savings element, you need to know how the actual yield of the
3. you save in insurance policy, but it is not flexible in taking YOUR OWN MONEY
4. must provide benefits, but has NOT SURE benefits enough to pay for your child's education.


Now related to your question, "I am planning to buy insurance education my child who is now 4 years old, but I am confused to choose the insurance provider that is where a good education."

We first see approximately how much it costs, to enter elementary school in Jakarta Plus National average tuition USD 50 million with a duration of approximately 6 years of education funding needs Rp 100 million.

National junior high tuition plus the USD 40 million with a duration of approximately 3 years of education funding needs Rp 186 million. for the national high school plus the entrance fee of Rp 40 million with a duration of approximately 3 years of education funding needs Rp 283 million.
Not to mention for the cost of the PT (Higher Education) 18 years later.

You add live, how the actual total cost of education for your child!

If the above is quite burdensome costs, you can lower the cost by entering into public schools public or private.
My question is, how much premium you pay to your child's school can comfortably?

Compare if your child's education fund, you invest directly in the mix of instruments such as mutual funds or mutual fund shares (for long term)!

Here I give tips on choosing an insurance provider education, namely:

1 The decision entirely in your hands. You are purchasing insurance products according to the needs of your child.
For that seek bona fide insurance company and reliable with a track record of disbursement claims easily and quickly.
You must be automated survey by coming directly to the office of the insurance company.

2 Make sure the programs offered by the promised benefits, COMPATIBLE.
The way insurance checks to participants beforehand participate (meaning the value of the insurance savings should be in accordance with the cost of the child's prospective school)

3 good professional agent certainly has AAJI card (Indonesian Life Insurance Association).
For his company, if including insurance companies listed on AASI syariah.maka (Islamic Insurance Association of Indonesia) where the Islamic insurance companies supervised by DPS / Sharia Supervisory Board.
A good agent, will provide the company with a plus or minus other insurance companies objectively

4 Agreement must be clearly signed.
Contract between you and the insurance company must be easy to read, understand features including benefits, process claims, and other illustrations.
And no less important is the flexibility Our funds withdrawal.

Congratulations to prepare your child's education fund


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