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Obtaining privileges from insurance and other banking products is certainly enjoyable and profitable. However, it's important to understand each term of the privilege offered to entice you to purchase the product. Clearly explaining the benefits you'll receive without any misunderstandings will prevent you from regretting it later. Being a smart consumer is essential for financial well-being. For example, the term "double claims" in health insurance often serves as a lure for people to purchase the product without fully understanding its meaning. At first glance, there's nothing wrong with the term. However, many people misunderstand the meaning of "double claims." This can lead to them expecting more from additional health insurance than what the company already provides. Therefore, understanding the meaning of "double claims" in insurance is crucial. So, what does "double claim" mean in insurance? A double claim in insurance occurs ...

 Various risks of damage while driving are a possibility, whether due to weather, natural conditions, or even irresponsible drivers. Not only is the risk of car damage significant, but financial losses can also leave vehicle owners scratching their heads. Just imagine, car damage, such as a dent in the body or repairing an electric mirror, can drain your wallet from hundreds of thousands to millions of rupiah. Therefore, good vehicle owners need to protect themselves from these various risks by purchasing comprehensive car insurance. Why All-Risk Car Insurance? One of the reasons why all-risk insurance, often referred to as comprehensive insurance, is so popular is its comprehensive and diverse protection. Unlike TLO car insurance, which only covers damage or loss up to 75% of the vehicle's value, all-risk car insurance provides more comprehensive protection, even if the damage is less than 75% of the vehicle's value. Therefore, if you want more comprehensive and diverse car in...

Indonesians are highly aware of potential road risks. This is evident in the wide range of c ar insurance policies offered in Indonesia. This is understandable, considering the high number of road accidents, especially in large cities like Jakarta. Those considering purchasing a car insurance policy may be confused by the choice between All Risk and Total Loss Only (TLO) insurance. Therefore, car owners need to understand the difference between them. Why is Car Insurance Important? The WHO notes that traffic accidents are the third-leading killer in Indonesia, after coronary heart disease and tuberculosis. According to data from the Indonesian National Police Traffic Corps (Korlantas Polri), there were 103,645 cases in 2021. Human negligence is a major factor in accidents. It's understandable that this factor stems not only from ourselves but also from others. On the road, the negligence of others can have a devastating impact. Even if someone drives carefully and orderly, they c...

 Gold has been a popular investment product for centuries. Generally, gold jewelry, such as necklaces, rings, and bracelets, is more popular among women as both jewelry and investment. However, the most suitable type of gold for investment is gold bullion or precious metal. This is because gold for investment should be pure gold without any alloys. The purity level of gold is 24 karat, or 99.00-99.99%. Therefore, pure gold, or 24 karat gold, has a higher purchase and sale price than alloyed gold with a purity of 18 karat, 22 karat, or 23 karat, which is commonly used for jewelry. Like any investment product, pure gold bullion purchased also has a certificate recognized by the international market. Gold is also considered a low-risk investment product because its price is not affected by inflation. This differs from the value of money held in a savings account, whose value can be eroded or reduced by inflation. Regarding price, gold prices fluctuate daily. These changes are deter...

 Antam's gold buyback price was observed to have increased ahead of the Fed meeting. Based on Precious Metals data on Wednesday (30/7/2025), the Antam gold buyback price, which is the benchmark for repurchases by PT Aneka Tambang Tbk. (ANTM), rose by Rp12,000 to Rp1,764,000. This position reflects a 29.23% increase since the beginning of 2025. However, Antam's gold buyback price is still far from its all-time high (ATH) of Rp1,888,000 on April 22, 2025. A gold buyback is a transaction to resell gold , whether in the form of precious metals, bullion, or jewelry. Typically, the quoted price is lower than the current selling price. However, gold buybacks can still be profitable if there is a significant difference between the selling price and the buyback price. According to PMK No. 34/PMK.10/2017, reselling gold bullion to Antam with a nominal value of more than IDR 10 million is subject to Article 22 Income Tax (PPh) of 1.5 percent for NPWP holders and 3 percent for non-NPWP h...

 Global gold prices fell more than 1% after the Federal Reserve maintained its benchmark interest rate and failed to provide a clear indication of the timing of a rate cut. Strong US economic data also dampened the appeal of the yieldless precious metal. According to Reuters on Thursday (July 31, 2025), spot gold prices fell 1.5% to US$3,275.92 per troy ounce at 3:08 p.m. New York time (19:08 GMT). Meanwhile, US gold futures fell 0.8% to US$3,352.80 per ounce. The Fed decided to hold interest rates in a divided decision, without providing any certainty about when borrowing costs would be lowered. Two members of the board of governors expressed dissent at the meeting. Fed Chairman Jerome Powell stated that no decision had been made regarding a September interest rate cut, although many market participants had previously expected that to be the beginning of monetary policy easing. He added that the risks of a weakening labor market were now becoming apparent. Tai Wong, an independent...

 No one can be certain what the future will hold. Meanwhile, unexpected events, such as job loss or worsening health conditions, are very likely to occur. But don't be discouraged. Even though you can't predict the future, you can still reduce your risk of loss and maintain financial stability through an emergency fund. Emergency Fund: Benefits, Ideal Amount, Tips for Accumulating It What Is an Emergency Fund? Imagine having a secret savings account you can rely on in times of emergency and unforeseen circumstances. That's what an emergency fund is, folks! An emergency fund is a specific amount of money set aside to deal with unexpected situations that can cause a headache, such as job loss, sudden home repairs, or costly health issues. An emergency fund is your financial safety net to ensure you remain calm when life's storms hit. Benefits of an Emergency Fund Used in times of emergency, there are several benefits you can gain from an emergency fund, including: 1. Redu...

 Who can relate to the feeling of payday, only to find themselves waiting for the next month's payday in a matter of minutes because it's all gone to paying bills? So, to avoid that again this month, let's try allocating our salary using formulas! Why is Salary Allocation Important? Some people may not think about allocating their salary because they don't think they're particularly wasteful. But how do we know if our spending is truly "not that wasteful"? One way, of course, is to allocate the amount of money we want to spend on certain needs. If we don't know how much we're allowed to spend in a month, we often become permissive and forget. In the end, we end up broke! Monthly Salary Allocation Guide: Keep Your Finances Secure Well, there are several important benefits you can gain if you manage your salary properly, such as: 1. Prevent Impulsive Spending Sometimes, if we don't know how much we can safely spend in a month, we tend to overspe...

 Life insurance is like an umbrella before a rain—it provides financial peace of mind for families in the event of the insured's death. But remember, claims aren't always automatically approved. There are rules and exceptions that can lead to a claim being denied. Learn about some common reasons below: To Ensure a Smooth Life Insurance Claim, Read This to Avoid Rejection Life insurance provides a sense of security for you and your family against the risk of losing your source of income due to death. However, not all life insurance claims are automatically approved. Certain conditions or violations can cause a claim to be rejected by the insurance company. Here are some things you should pay attention to: Life Insurance 1. Ensure the Information & Data You Provide is Honest and Complete In an insurance policy or contract, honesty is the main foundation. The relationship between you and the insurance company is built on the principle of utmost good faith, which means both par...

 Owning your own business is a dream for many people. Unfortunately, a business requires significant capital to run smoothly. Without capital, business development is hampered because promotion and innovation require significant funding. Fortunately, funding can now be obtained from various sources, including banks, cooperatives, investors, and even online financial platforms. Simply choose the one that's most secure to ensure your business continues into the future. 6 Tips to Get a Cash Loan for Your Business 6 Tips for Getting a Cash Loan for Your Business Regardless of the amount of capital you need, you can get your application approved by the bank by following certain tips. Some of these tips include: Selling Personal Assets Having assets with high resale value is an advantage, especially if you need capital for your business. You can sell personal assets for a certain price and use the proceeds to rent a building, produce products, or even promote your business. Personal asse...

 What are Shares? Shares are evidence of capital participation or investor ownership in a company. By owning shares, investors have the right to share in the company's income, assets, and even vote in the General Meeting of Shareholders (GMS). Of course, the percentage of shares owned determines the extent of their rights. How Does the Stock Market Work? Companies that issue shares offered on the stock exchange are called issuers. To be traded on the stock exchange, which in Indonesia is the Indonesia Stock Exchange (IDX), issuers must first go public. The process of selling shares for the first time on the exchange is called an Initial Public Offering (IPO). After the IPO, shares are traded on the secondary market. What Are Stocks: How to Buy Them, Types of Stocks, and the Risks of Stock Investment Share prices can fluctuate according to the laws of supply and demand. The more transactions occur, and the easier it is to find investors selling or offering shares, the more liquid...

 Preparing for Retirement – Retirement is a time when one should start preparing now. This is because income in old age is not as high as when young. Here are some investments to prepare for retirement to broaden your knowledge: Creating a portfolio for your own investments One common way to prepare for retirement is to build a portfolio of stocks or bonds. This portfolio will be designed to achieve long-term income, up to 20 years into the future. When you retire, the income from this portfolio will be quite promising. However, you must still pay attention to your investment strategy. Salary Deductions Preparing for retirement can be done through salary deductions, usually by companies or pension funds, through mutual funds. These investments are managed to generate monthly income that will be distributed to you each month. These funds are created to provide an all-in-one package designed to achieve specific goals. With your retirement income fund, you can control and access your...

 It's true that many people already know about insurance . In fact, quite a few even know the ins and outs of insurance in detail. Yet, for some reason, public interest in insurance remains quite low. This is actually quite a contradiction between reality and what people want. Just look at how people generally refuse to become insurance holders for their assets, even though they desperately want the assurance that nothing bad will happen to them. Take home insurance, for example. When asked if people would like to become members of a home insurance company, only a few say yes. Is Home Insurance Important? However, everyone wants their home to be safe. They realize that their home is their shelter. They also realize that their home is the best place for them to relax, gather with loved ones, and be entertained. Yet, when faced with an insurance offer, they shake their heads. Yet, quite a few of these people know how insurance can protect their homes. Okay, let's assume most peo...

 Besides health insurance, another insurance product you should have is life insurance . This insurance covers financial losses due to the risk of death. According to the Indonesian Life Insurance Association (AAJI), life insurance is a protection program that transfers the economic risk of the death or survival of an insured person. By analogy, life insurance is often likened to an umbrella at home, a life jacket on a ship, or an airplane. It's essential because it's useful at certain times, but often overlooked when circumstances are safe. Therefore, life insurance is highly reliable, especially when unexpected situations arise. You need life insurance to ensure your financial needs are not disrupted by risks to your breadwinner during your productive years, or to prepare for a happy and prosperous old age. Life insurance is a written protection contract called a policy. The policy contains a contract between the life insurance company and the policyholder. The life insura...

Owning your own business is a dream for many people. Unfortunately, a business requires significant capital to run smoothly. Without capital, business development is hampered because promotion and innovation require significant funding. Fortunately, funding can now be obtained from various sources, including banks, cooperatives, investors, and even online financial platforms. Simply choose the one that's most secure to ensure your business continues into the future. 6 Tips for Getting a Cash Loan for Your Business Regardless of the amount of capital you need, you can get your application approved by the bank by following certain tips. Some of these tips include: Selling Personal Assets Having assets with high resale value is an advantage, especially if you need capital for your business. You can sell personal assets for a certain price and use the proceeds to rent a building, produce products, or even promote your business. Personal assets can include houses, land, vehicles, gold, ...

Besides health insurance, life insurance is also an important and even mandatory insurance product for everyone. This type of insurance can provide a death benefit or compensation to family or heirs in the event of the insured's death or permanent disability, leaving them unable to work. In general, insurance companies offer two different types of life insurance products: pure life insurance and unit-linked life insurance. Unit-linked life insurance, on the other hand, offers insurance along with investment services. Pure life insurance, on the other hand, focuses solely on providing insurance protection tailored to the customer's needs. Because of this, many people tend to choose pure life insurance products because they are considered more profitable and provide optimal protection. To prove this, you need to understand the ins and outs of pure life insurance. Here's a complete explanation. What is Pure Life Insurance? Pure life insurance is a type of life insurance produc...

 Various risks of damage while driving are a possibility, whether due to weather, natural conditions, or even irresponsible drivers. Not only is the risk of car damage significant, but financial losses can also leave vehicle owners scratching their heads. Just imagine, car damage, such as a dent in the body or repairing an electric mirror, can drain your wallet from hundreds of thousands to millions of rupiah. Therefore, good vehicle owners need to protect themselves from these various risks by purchasing comprehensive car insurance. Why All-Risk Car Insurance? One of the reasons why all-risk insurance, often referred to as comprehensive insurance, is so popular is its comprehensive and diverse protection. Unlike TLO car insurance, which only covers damage or loss up to 75% of the vehicle's value, all-risk car insurance provides more comprehensive protection, even if the damage is less than 75% of the vehicle's value. Therefore, if you want more comprehensive and diverse car in...