Small tips big profit
Dont wait till tomorrow
When Purchasing Home Insurance, There Are Important Things You Need to focus on. An example Is The exact value of your home; Would you want your insurance to Reimbursement valeur year in case
of damage. Look At What Natural Disasters are Covered by your policy and ask What category you belong. Also Check the category of your sincere Neighborhood This Will Come Into Play. Contribute To The computation thesis of How Much You Will Be Paying.
Do You Know to Protect Your Home
just take small action
Home insurance butt cam With The Growing Need and demand for protection of home and property. Home insurance specifically targets The Security Of The Home, in which shall Valuables and Other Forms of On The structural property. Today home insurance IS inseparable from home ownership not only Because Of Existing Laws Because Of The purpose aussi Provides protection to the water for recreation it.
Everything about Home Insurance for your future
Almost everything you need to know and want to know about home insurance you can find it here. This site
will give you enough information to make a competent decision on how to buy a home insurance policy. We can also help you to decide on what company to choose by looking at their statistics and quality of service. Treat this site as a decision making tool.
You need to know Fire Insurance Is A Necessity
There are Many types of home insurance That You Can Get for your home. But probably one of The Most important you should "Always take Is A fire insurance.
Every year, Many homes are ravaged by fire for Various Reasons, Mainly Because Of Accident gold extenuating Circumstances like faulty wiring. Whatever purpose The Reason For The Fire, This Is Catastrophic like grooming. What You Need To Do Is To get a fire insurance so You Can Have Yourself viable financially protected in case a fire in your home Happens. There are Many insurance companies offer That fire insurance. Contact 'em and ask for quotes for your home.
Life Insurance and Group Health
One way to achieve company goals is the existence of a reliable human resources and quality. General assumption has been a valuable Company asset is Office Building, Investment or Information Technology. However, this perception has shifted along with the era of globalization. Human Resources (in this case the employee) of the Company emerged as one of the main assets of the Company in achieving the objectives of the Company.
Every company has its own characteristics, both in terms of purpose, vision and mission as well as the diversity of Resources (Employee) owned. Basically every company would want the best performance of all Employees. High performance of the employee will facilitate the Company achieves the objectives of the Company.
Employees are the company's assets to achieve corporate objectives
Employees are one of the assets in order to achieve company goals. Tranquility is the desire of every human life, including employees, particularly in corporate activity. Labor productivity will decrease in case of disasters such as accidents, illness, disability or death in which these events can occur and the timing is unpredictable.
On the other hand, the costs in order to overcome this disaster, from day to day increasing. If not prepared early on, certainly can affect employee performance, which in turn will affect the company's cash flow.
INDONESIA Manulife Asset Protection Program Company provides a complete and flexible to meet the needs "of Security" for your employees.
Why you should choose the program of the Company Asset Protection Manulife Indonesia?
Providing security to employees anywhere, anytime, because they have protection 24 hours a day
Improve employee loyalty and quality of work
Retain and attract qualified employees
Helping Companies use the funds effectively for the company cash flow remains stable and under control
Type of Program
Term Life Insurance. Financial protection for employees if the employee suffered a family tragedy death by any cause (disease or accident)
Accident Insurance. Providing financial protection for Employees / Family Employee if Employee had an accident that causes death or experiencing Employees Permanent Disability (total or part) or reimbursement of expenses for treatment at a maximum of 10% of the sum insured for any accidents.
Total Permanent Disability Insurance. Providing financial protection for employees when the unfortunate Total Permanent Disability due to illness or accident.
Insurance Hospitalization and Surgery. Provides replacement cost of care when required hospitalization or surgery at the hospital caused either by illness or accident without having to be hospitalized, according to the benefit of each class selected.
Feature
There is no maximum limit for inpatient days in hospital, ICU / ICCU and the cost of doctors at the hospital.
There is no maximum limit claims per year
Provides replacement cost of treatment 30 days before and 30 days after hospitalization
Life Insurance for free
Hospitals are free to choose the desired
Profit sharing
Hospital Facility Partners (Provider)
Health Counseling (with certain conditions)
A. Outpatient Insurance
Providing Outpatient reimbursement for employees and their families in the form of reimbursement consultation / health check, the cost of medicines, diagnostic investigation and physiotherapy are recommended by doctors, as well as additional benefits (option) vaccination.
Feature
Additional benefits of vaccination / immunization of BCG, DPT, Polio, Measles, Hepatitis and Typhoid
There is no limit the cost of medicines in each visit
Free to choose the Doctor (General / Specialist) desired
B. Dental Insurance
Providing dental care reimbursement for employees and their families in the form of preventive care and basic dental care. In addition, there are also programs that provide additional benefits Comprehensive dental care complex form and dentures.
C. Glasses Insurance
Providing reimbursement for eye examinations, spectacle frames and lenses are also the cost of replacing contact lenses, for employees and their families.
E. Maternity Insurance
Providing reimbursement for service delivery worker / wife Employees normally or with surgery. Also includes hospitalization, miscarriage and pregnancy complications, and outpatient care during pregnancy and 40 days after delivery and care of babies born up to 14 days old.
Asset Protection Program Participants Who Company?
For a company which has a minimum of 10 employees is available DIRECT PROTECTION PLUS (DPC)
For a company which has employees in over 50 people Employees are available TOTAL PROTECTION PLUS (TPP)
So whatever your Business and How Much of Your Business, we immediately help you to design a program of the Company Asset Protection to suit your needs and financial company
The Power Of Thinking about Insurance
The most fundamental principle in mind for this is: "If you think you can, then you can ... but if you think you can not you can not.
So whether you will succeed or fail, is entirely dependent on yourself.
Your success or failure depends largely on the mental decision that you create in your own thinking.
Success will come in the form of "Can" whereas, failure will come in the form of "Can not".
The people who succeed are those who use the full potential of their mind that is extraordinary, they always develop and maximize her potential through the mind to achieve their goals.
They possess a positive mind with a passion and belief in yourself that is extraordinary at all, they were burning passion to achieve their goals.
Usually they always have a positive and clear mind in doing all the behaviors and actions.
If you can use the power of this mind, then this force will change the mentality and behavior, of course your life will be changed to the better and positive.
You will always be inspired and motivated with a positive mind you, it will be more and more positive opportunities in your life that can be found in the kingdom of your mind that this is extraordinary.
Utilize fully the power of thought is to realize the vision that is remarkable, which would certainly support your life.
You are the only master or ruler of your own mind, and therefore what you think and what action will you do every day is your own mind.
The Buddha once said that "our existence is the result of our thinking and what we think will shape our world."
So it is clear that your self is the master of your own mind, if you think positive things, life will be positive, so did the opposite.
Should have stuck in the road, do not have to think negatively by complaining or grumbling, actually it is a very appropriate time to perform and add positive thoughts by listening to the radio with a lot of the show, such as listening to stories of wisdom from Mr Andrie Wongso (Motivator No. 1 Indonesia), news / information that is useful and helpful, etc..
Inspiration of the mind, is always thinking positive and always say "Can", because failure will come at people who say "Can not", so it's better to say "Can", may sentence the importance can be changed slightly to "If you think you can , then you can ... but if you can not you have thought: "Can".
Source: The Power Of Thinking by Johanes Ariffin Wijaya, author of best seller "8 Positive Mental Quality to Achieve Success".
WHEN TO START insured?
I will directly answer the above question with a question: Kapananda want to start investing? Well, the answer is at the same time as you start investing.
Circumstances and economic conditions in Indonesia is increasingly difficult to make people vying to add a "treasure" them to start investing. Call it:
1. Following the network marketing system that promises income passsive
2. Open an account at some mutual funds
3. Investment property: land and buildings
4. Sale and purchase of goods and services, brokers, agents and so forth.
Here I am not going to discuss about ways to make more money on top and maybe still more. I just want to emphasize one's investing goals .... a GOAL! True right?
Someone investing for a or several purposes:
1. Prosperous retirement
2. Guarantee children's education
3. Hajj
4. Buying a house, car etc.
But remember, the goal was not to come tomorrow .... Investment someone will not be collected for granted. It should be a long process. It is not possible we will use the funds we have kumpulakn in our investment instruments to sudden things such as: illness, accident, accidents or other hazards seabreg. If these things happen, should we sacrifice our retirement, our children's education by taking money that should be saved for them? Not right?
Then there's the follow-up question: WHEN I DO NOT NEED INSURANCE?
We will discuss this in the next article ...
about insurance ...
Again want to know the development of insurance in Indonesia is now like what? Read it read also in uncle google search. Already more and more insurance offered from various companies with diverse types of its kind with an interesting offer.
There are Allianz, Prudential, AXA Finacial, Axa Mandiri, Bumiputera, CIMB Niaga, etc.. Hmm .. So which one is suitable donk? that would still depend on their needs ya.
Here, awareness and discipline insurance does have not asked, yes, obligatory kudu. So yes more safe and secure, especially. Now what in the Indo, is fixed very cool if ya do not have insurance of course. But pray that we all yaa diparingi healthy. Amen ;-)
Vacation to Jakarta yesterday sempet also a doctor, because the adjustment of air and food so sempet also stop by to take the child to the doctor's son. Duhhh whose name is the same doctor for the medicine to make glek yaa ... but it also places the usual treatment.
Hence, so bener bener thinkers, if Ntar inshaAllah moved Indo, must make ya thing as health insurance have yaks ... dah hell one for education. but that is also more important yes.
I used to work in Insurance sempet Bumiputera about 4 years. Earlier times is still not a lot of insurance rivals, and arguably ok very cool to offer insurance products. Friends and brothers and sisters follow-up as well. Because no experience never to be an insurance agent, would be more selective as well yes ...
Sempet see too many comments about the world in a web of insurance consumer complaints, all kinds of plus minus about insurance written there.
Aja conclusions and times could be sharing for my friends who become insurance agent is also in particular:
1. Introduce and explain the insurance that we offer, ranging from insurance companies own up to the range of products offered. Sejeles2nya Explain what it is, not added spice or other iming iming yaa ...
2. Kalo prospekan already know who we are, prepared with good prospects in the folder, and give the best and suitable in accordance with their needs. Give info which products really fit, so do not just become an agent looking for / offering products that bonus gede aja, but think about the good of our customers for their future. The success of an insurance company largely in the hands of the agent, try to be agents of good and responsible.
3. Lastly and most importantly (because not a few cases like this happen and often we read his review); If the agent would resign alias out of the insurance company, should also equal farewell clients who used to go through him, if need to introduce the successor agency or with whom the later it goes well or claim payment. So that insurance customers do not lose contact regarding advanced or development of insurance.
Life insurance protects customers or Economic Value (?)
So to speak. And the fact is, indeed, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they have.
Hence, it is not surprising if the majority of vehicle owners to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian who consciously protect themselves with the economic value of life insurance.
Actually, life insurance not to protect our souls. But rather to protect the economic value of ourselves. For example, if today we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with 5 million expenditure could be kept awake, 'even if' something happens that causes us no longer able to generate money. We do not expect 'something' was happening.
But who can ensure the future?
Therefore, try to ponder: If the economic value of a car or a house we just protected, why do we not protect the economic value ourselves? Does your car or home is more precious than ourselves?
If our employees, try to check whether the company where we worked has been providing life insurance for us. Companies both of which usually provides life insurance for his employees. But there are 2 things we need to do:
First, ask your human resources department, whether the insurance provided is only valid as long as we work at the company, or it could proceed alone if we stop working.
In general, if employees resign or retire, then life insurance will automatically be disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to continue working as a professional.
However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.
Second, if the company has been providing life insurance that we can manage themselves (can be taken away and resumed his own), then maybe it's time to do financial planning or school fees of children in the future.
Indeed there are people who prefer to save every month in the bank, and not taken-take. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.
In addition, education has the advantage of insurance protection side, which is not owned by a savings education.
The principle is: if there is 'something' in us, then our children still get the education funding guarantee in accordance with what we planned.
Although we are not interested in buying an insurance policy, we need not hesitate to consult with insurance agents. There is no harm if we understand the mechanism of this model of financial planning.
At least, we can compare them with financial planning strategies that currently we run. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plan. That is, we can get a free consultation about our financial planning. Not bad right?
Currently many insurance combined with investment. So, you will get the benefit of protection, while viewing the portion of the money you paid as savings or investment that continues to grow and develop.
