Benefit Life Insurance
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Many people think buying life insurance is a waste because the benefits cannot be enjoyed now, but later when someone is dead. Who enjoys the benefits of life insurance is not the owner of the policy, but the family left behind.
In fact, besides providing death benefits or death benefits, life insurance also provides benefits for life or living benefits. Living benefits are life benefits that customers can enjoy when they are still alive.
Tatadana Consulting said, life insurance that provides living benefits deserves consideration because this product also provides an opportunity for customers to "save". "Actually, customers can save themselves. However, it is risky that customers can take it themselves. While if you save with insurance, customers can be disciplined not to take it and get life insurance benefits, "said Tejasari to our insurance company team. Read More Tips for Choosing Safe Health Insurance
In addition, the living benefit option should also be taken into account for those who have the principle of "ori" or unwilling to lose, not wanting to buy products that can only be "enjoyed" when they are dead. So that the money spent can be felt when the customer lives, then life insurance with an insurance company may be the right choice.
What are the living benefits that can be enjoyed by customers when they are still alive? See the following review.
1. Unit link life insurance
Life insurance that is connected with investment or also called unit link provides benefits when the customer lives. This is because unit link insurance usually also offers additional insurance such as health insurance and critical illness insurance.
So, when customers are hospitalized, this product will provide reimbursement of the cost of care while in the hospital.
These forms of payment of health benefits vary, there are cashless or just swipe cards, reimbursement ie the customer bears the hospital bill first and then the insurance company replaces it after the customer submits a claim, as well as a cash plan or daily cash compensation in lieu of income lost due sick customers.
Astra Life itself offers my Healthy Ready package, namely ASLI Pelita Proteksi Prima products, in which there are cash plan health insurance products. Given that the FSA has banned double claims in the insurance world, then this product is suitable to complement the BPJS that is owned by customers.
Unit link insurance has a higher premium than life insurance purely because it offers cash value, namely the development of a portion of premium funds placed in the capital market. Customers generally can take cash value after seven years of having an insurance product.
2. Pure life insurance with a cash plan
In addition to health insurance, life insurance actually provides a cash plan option. The cash plan contained in this product offers cash to customers if he is disabled or suffers from a disease that makes him unable to make a living as usual.
3. Pure whole life insurance
Pure whole life insurance generally offers a refund of a sum of cash after the customer reaches the age of 99 years. However, the benefits of disbursing this fund for so long, it is rare for customers who choose pure whole life life insurance and switch to unit links that offer protection for a long time, but allow customers to withdraw cash value faster than whole life pure life insurance.
4. Pure endowment life insurance
Pure endowment life insurance or also known as dual-purpose insurance offers two functions at once, namely life and savings insurance. Customers can use this deposit for any needs, from children's education funds, holidays, pension funds, or investing.
According to Tejasari, this product is also in demand because it offers customers life protection while protecting children's education costs if something happens to customers. However, the development of funds in endowment life insurance is still smaller than investing directly in the capital market. "By participating in endowment, it's the same as customers depositing their money in insurance," said Tejasari.
Seeing the importance of insurance for customers, most insurance companies also offer life insurance that can provide benefits when customers live. An example is, life insurance with cash benefits in the form of 100 percent Sum Insured at the end of the contract period if the policy holder is still long-lived and cash bonuses every 3 years. You can use periodic liquid cash to pay school fees, traveling costs, or even reinvest it into other instruments. For example, precious metals, mutual funds, or even stocks.
