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Talking about life, I think something is taboo to mention. Though, we admit that human life is very important. Minimal for themselves. Who the hell wants to lose their lives?

For those who are married or have dependents, life possessed not only a personal self-interest. But also to their dependents. Like my father as a source of family income will be important down his life for the whole family. Or a child who took the lives of her parents, of course, his life is badly needed by those who rely to the person’s life.

Insurance and life insurance
Insurance can easily be interpreted by the transfer of risks that may arise to any other party, in this case insurance. So, the insurance company in business to give assurances that if the insured has been determined as always the risk, then insurers will bear those risks on behalf of the insured.

Talking about life insurance protection means we are talking about the soul. It must be remembered here that does not mean soul in estimating the value of the insured person lives, but money pertanggunganyang made to obtain the amount of potential revenue lost if the insured does not exist or died.

There are two types of term life insurance based on the whole life and term life. Whole life insurance is insurance that provides coverage to the insured until the insured has a specified risk or the period specified maximum age so that the premiums are usually very high.

As for term life insurance is the type that could easily be explained as a type of life insurance limited validity period, protecting the insured up to the time that term has been defined at the beginning.

Whole life and term life is the essence of life insurance product which basically provides protection services. Although later developed into a dual-purpose or endowment insurance products where some premiyang paid will be saved by the insurance company and the insured in addition to get protection also get the savings. Currently investing more advanced development of insurance again with the birth of products linked or referred by insurance unit linked.

Sun Life
One insurance company has a product is PT Asuransi Sun Life Financial Indonesia. Product besutan term life insurance companies who stood in 1985 is quite competitive with some advantages such as freedom of premium payment options ranging from 5, 10, 15 and even up to 20 years, where maksimalyang protection can be given until the insured reaches the age of 90 years.

Here means the insured person pays a premium for that is chosen is 5, 10, 15 or 20 years and the validity period can also be maximized until the age of the insured is 90 years old. But of course the amount of premium charged will vary depending on the age of the insured, the amount of money the insurance and duration of protection options.

For payment options, insureds can choose whether you want a monthly, quarterly, semiannual or annual. All available complete accordance with the capabilities and certainly commitment to the payer. With two choices of rupiah currency and U.S. $ dollars, with inflation tertanggungyang fear or decrease the value of money might be able to use the U.S. $.

For those who want to have this protection, Sun Life provides enough leeway ages ranging from 5 years to 70 years. But of course the same as produkterm another life, in particular when the successful acceptance of protection must be obtained after the applicant’s conduct health checks.

Sequislife
Another company providing similar services is Sequislife Life Insurance Company. Standing with the full support of Mount Sewu Group, the company showed its commitment to the diversity of products and services provided asuransiyang financial capital strength is also shown from the continuous improvement of risk base capital (RBC) that they have.

Life term product that they are Superior term stretcher. Broadly similar product with similar products in several other insurance companies, has some uniqueness that can be taken into consideration.

With the completion of the rupiah currency and U.S. $, this product is also equipped with easy to convert or change the product type from which mere protection into products that also provide additional benefits with savings equal investment.

This can be done without having a medical examination beforehand. Although the character of deposits (term), this product allows for the insured to extend the validity period is automatically in accordance with applicable ketentuanyang. So no need to specify the time period at the beginning. Simply open, feeling fit and then do an automatic extension.

This product is a minimum value of acceptable premium is Rp500.000 per year for the rupiah and U.S. $ 100 to U.S. $. Well then, we can determine how large a minimum sum assured we can get if we went at the age now. Payment can only be done yearly, and for the insured is expected to at least 17 years old and maximum 60 years for entry into customers.

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