Education is very important, without education you can imagine your life would go back to the stone age, not in the sense that all rock era, but the condition of your life diamana as wilderness. Because of the importance of education for life then you need to plan your child's education as good and as early as possible, start thinking to make education savings for your child now or you can follow the education of insurance offered by some insurance companies.Education savings accounts are generally sold by the bank, with backup by life insurance companies. So we can come to the banks that sell these education savings, and we determine how much our target and how long the target would be achieved. Then the banks will determine how much monthly payment that must be performed with include the interest rate provided during the contract period.
Generally, education savings comes with life insurance or other insurance. So when parents who experienced severe deposit every month, such as dies, then the life insurance will replace him as the depositor. So the target of education fund established by a parent can still be enjoyed by children.
But Education Insurance generally purchased through an insurance company that offered by the agent. The customer will determine how much money after seeing the benefits of insurance coverage that will be paid. And insurance companies determine how much premium to be paid in a lump sum or on a regular basis, can be annual, can be six-monthly, quarterly and even monthly.
Insurance benefits are generally offered a certain percentage of the sum insured and paid when children want to go into primary schools, high schools and higher education. And the benefits will still be paid even if the premium payer's parents as the unfortunate, for example, died.
Both education and insurance savings education both can be used as an alternative to prepare children's education fund. Education savings just to prepare at one point, for example, to enter primary school only, or until high school.
If you want to complete such education insurance, then we have to buy 4 products of this education savings, with funds and the achievement of targets are different. But precisely here lies the flexibility of an education savings. Currently the interest rate from education savings deposits refers to deposits or slightly above it sells, while the interest rate is more conservative education insurance.
There is one option which is recommended to break with insurance benefits and fertilizing the funds. Suppose we buy term life insurance with a sum assured as targeted education funding and achievement of the specified time. Then on a regular basis, you deposit a certain fund to the desired investment, for example, into mutual funds.
We also can choose an investment instrument which has a high return and high risk of course, too. So with this method, you can get the sum assured of high insurance and optimal return on investment. The key is just one discipline.
Our children are our next-generation successor, prepare as early as possible and the best possible education for our children to hope
Insurance education for children
Tips on choosing health insurance
Today, healthcare costs can be fairly expensive, let alone a fairly decent treatment. treatment only fee that is not worth the relatively cheap, do you want? been ill treated like trash? would not it??
Do not like them!:
Especially for those whose income is not fixed (freelance, or self-employed) so ill can-can deplete savings, also for the employees who still have a variety of mortgage (mortgage, car payments, etc.) extra spending big enough can certainly interfere installment payments, such installments. Consequently you will be chased by debt collectors who looks more horrible than mercenaries
Awareness starts now
At times like this are usually people start to realize the importance of health insurance. Although at times the office provides health insurance (including family), often amounts to the claim is still insufficient medical expenses.
These days though it was a lot of people have started to realize insurance (including health insurance, which usually 'burn' after the time-out), sometimes we can still be wrong to buy insurance as well.
note and follow these tips!
Here are tips carefully before buying insurance that we need to consider:
* Do not be tempted company based in luxurious locations, because it does not guarantee the quality of the company. Learn your company profile to know the company's financial reputation. How much Risk Base Capital (RBC) and which companies are the guarantors of reinsurance.
* Note the reference service reputation through various parties, or visit the company's office directly.
* If the company uses a system of agency, select an agent who can explain the program well.
* Note the exception clause that the insured's illness. Make sure all the treaties agreed upon in writing, not verbal.
* Learn plan (grade) are covered, whatever abiaya borne, the limit per occurrence, and annual limits. Understand the mechanism is also applicable, if you want to 'go up the class' hospitalization.
* Understand when the coverage took effect.
* Make sure you understand all the legal language in the policy. Upon receiving the policy, take time to fully understand the contents before signing.
hopefully useful!
