Low public awareness to purchase an insurance product due to allegations regarding damages or constraints that would be obtained if you buy an insurance product . Is this true ?
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This is what needs to be clarified . Life insurance is an important part of financial planning . However , misconceptions about life insurance can prevent people from getting benefits.Later , when there is a problem , he should have realized a long time to buy insurance .
So you do not inedible gossip or hearsay about life insurance ( which is not necessarily true ) , you should first identify the myths surrounding life insurance are the most popular .
1 . People who are young and single do not need insurance .
Is there a person who suffered a loss when we die ? However , although we do not rely on others , we are still going to leave a credit card debt , mortgages, cash loans , up to the cost of the funeral .
Life insurance policy will generally cover the costs of this . The faster , or the younger you buy insurance , you can get a lower premium . Insurance will also ensure that costs you spend when you are having health problems later .
2 . Only those who already have children who need insurance .
According to Michael Bonevento , senior financial advisor at Ameriprise Financial Services , Inc. . , They were married and married with children , or married with children with special needs , may have to buy liability insurance .
Even so , there are many instances where the single also has insurance . When the single came from poor families were , he could leave his family insurance claims in the event of a problem for him . So , he took the insurance to make sure his family is not experiencing financial problems when he was gone.
3 . If the company has been providing insurance to buy insurance what else ?
Many companies that provide life insurance or health insurance for their employees , whose value may be equivalent to your salary a year . This may be a benefit for you , but what if you do not work anymore in the company ?
Are not you can not predict when you will experience the risks that might occur ? What if you suddenly had to be hospitalized ? May be too late if you've already bought insurance when money needed for anticipated losses that may arise as a result of the risk .
4 . Life insurance is generally too expensive .
We will buy insurance , you will be given the option to charge a premium that fits your ability . Premium selected young people will necessarily be lower than those already established . Moreover , in addition to annual paid , there are also premium can be paid monthly . This premium value can increase when your financial condition is getting better .
5 . All the same insurance policy .
His name is also a product or merchandise . Each certainly has its advantages and disadvantages , which is manifested in the form of policy . The policy may use the same term , but the substance of what is on the cover could be different .
So when you buy an insurance product , do not just consider price alone . Read the policy carefully given that you do not feel cheated later .
6 . Housewives do not have to buy insurance .
You may not have the income , but you would still have to provide the facilities needed by the family . For example , child health , food and clothing needs , home care , and so forth .
When her husband died suddenly , or not able to work anymore , those needs would have to fulfill itself . Well , life insurance can ensure your security while the couple was no longer present to meet your needs .
7 . Buying insurance is complicated .
It takes time to process your insurance purchase , including the approval of your proposed insurance demand . However, the current financial planner insurance agent alias already implementing proactive .
That is , it is they who come to you and take care of everything . If less clear with the rights and obligations of you , you can also access it himself on his website . You can also compare yourself with other insurance products . If still not clear , you can schedule a meeting with your agent again .
8 . If I had life insurance , it means I do not believe God's protection .
When we left the car / house , whether we locked the door or not ? If we believe in the protection of God , of course, we do not need to lock the door at all , because God will take care for us .
God gives to human intellect and mind so that people can think . Just as God gave the reason that we want to lock the door of the car / house when leaving it and do not make God a house keeper / your car , then God also gave us minds so that we can protect ourselves from things unexpected by taking protection insurance and do not blame God when things happen that are not in want .
9 . Difficult insurance claims , and often do not pay .
If insurance difficult and convoluted claims , the insurance business will certainly continue to shrink because no one else wanted insured . In fact the insurance business continues to grow each year . Why not pay a life insurance claim can be read here
10 . Had life insurance that means I will soon die .
If all life insurance customers promptly died shortly after take insurance , then the insurance company would have been bankrupt long ago , because how could pay customer claims whose value is not comparable to the premium paid .
Precisely the facts show most long-lived insurance customers because in prayer by all employees and insurance agent , so the next year and subsequent years customers can still pay their insurance premiums so that they all can handle the work and at a salary by the company .
This is what needs to be clarified . Life insurance is an important part of financial planning . However , misconceptions about life insurance can prevent people from getting benefits.Later , when there is a problem , he should have realized a long time to buy insurance .
So you do not inedible gossip or hearsay about life insurance ( which is not necessarily true ) , you should first identify the myths surrounding life insurance are the most popular .
1 . People who are young and single do not need insurance .
Is there a person who suffered a loss when we die ? However , although we do not rely on others , we are still going to leave a credit card debt , mortgages, cash loans , up to the cost of the funeral .
Life insurance policy will generally cover the costs of this . The faster , or the younger you buy insurance , you can get a lower premium . Insurance will also ensure that costs you spend when you are having health problems later .
2 . Only those who already have children who need insurance .
According to Michael Bonevento , senior financial advisor at Ameriprise Financial Services , Inc. . , They were married and married with children , or married with children with special needs , may have to buy liability insurance .
Even so , there are many instances where the single also has insurance . When the single came from poor families were , he could leave his family insurance claims in the event of a problem for him . So , he took the insurance to make sure his family is not experiencing financial problems when he was gone.
3 . If the company has been providing insurance to buy insurance what else ?
Many companies that provide life insurance or health insurance for their employees , whose value may be equivalent to your salary a year . This may be a benefit for you , but what if you do not work anymore in the company ?
Are not you can not predict when you will experience the risks that might occur ? What if you suddenly had to be hospitalized ? May be too late if you've already bought insurance when money needed for anticipated losses that may arise as a result of the risk .
4 . Life insurance is generally too expensive .
We will buy insurance , you will be given the option to charge a premium that fits your ability . Premium selected young people will necessarily be lower than those already established . Moreover , in addition to annual paid , there are also premium can be paid monthly . This premium value can increase when your financial condition is getting better .
5 . All the same insurance policy .
His name is also a product or merchandise . Each certainly has its advantages and disadvantages , which is manifested in the form of policy . The policy may use the same term , but the substance of what is on the cover could be different .
So when you buy an insurance product , do not just consider price alone . Read the policy carefully given that you do not feel cheated later .
6 . Housewives do not have to buy insurance .
You may not have the income , but you would still have to provide the facilities needed by the family . For example , child health , food and clothing needs , home care , and so forth .
When her husband died suddenly , or not able to work anymore , those needs would have to fulfill itself . Well , life insurance can ensure your security while the couple was no longer present to meet your needs .
7 . Buying insurance is complicated .
It takes time to process your insurance purchase , including the approval of your proposed insurance demand . However, the current financial planner insurance agent alias already implementing proactive .
That is , it is they who come to you and take care of everything . If less clear with the rights and obligations of you , you can also access it himself on his website . You can also compare yourself with other insurance products . If still not clear , you can schedule a meeting with your agent again .
8 . If I had life insurance , it means I do not believe God's protection .
When we left the car / house , whether we locked the door or not ? If we believe in the protection of God , of course, we do not need to lock the door at all , because God will take care for us .
God gives to human intellect and mind so that people can think . Just as God gave the reason that we want to lock the door of the car / house when leaving it and do not make God a house keeper / your car , then God also gave us minds so that we can protect ourselves from things unexpected by taking protection insurance and do not blame God when things happen that are not in want .
9 . Difficult insurance claims , and often do not pay .
If insurance difficult and convoluted claims , the insurance business will certainly continue to shrink because no one else wanted insured . In fact the insurance business continues to grow each year . Why not pay a life insurance claim can be read here
10 . Had life insurance that means I will soon die .
If all life insurance customers promptly died shortly after take insurance , then the insurance company would have been bankrupt long ago , because how could pay customer claims whose value is not comparable to the premium paid .
Precisely the facts show most long-lived insurance customers because in prayer by all employees and insurance agent , so the next year and subsequent years customers can still pay their insurance premiums so that they all can handle the work and at a salary by the company .
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