Managing financial risks is very important to realize financial success. Without management, a person does not know the cash outflows that make it difficult for him to make ends meet.
One way to minimize this risk is to have an insurance product. Naturally, each product has a certain level based on the phases of life. A simple example, between married and single, the insurance needed by the two is definitely different.
What do you need insurance? Check it out in the following points, come on!
1. New to Work and Still Single
Surely you are happy because you are not dependent on your parents? Even so, don't forget that the income when you were still working for the first time was still minimal. The salary range is still UMR or higher a little bit.
No wonder the insurance of his choice is still a low-face one. In essence, have insurance and can minimize financial risks because the salary is still limited to being enough to meet daily needs.
The most demanded insurance product is health insurance. Especially young people nowadays, the dedication of work is very high. Often overtime in fact, so the risk of getting the disease is very large.
2. Married and Has Children
When married, the insurance product chosen is of course the one that has broad benefits. Not only bear the cost of health, but also the soul for both oneself and one's family.
The name registered as an insurance policy is usually the breadwinner. When the breadwinner is unable to work anymore, the insurance will provide a sum insured to the heirs that the family can use to meet daily needs.
Given that the career path is already better, you certainly expect a higher sum insured. This will affect the monthly premium cost which is definitely greater than when you were single.
3. Retirement
Insurance not only protects health, life, but also guarantees a person's life in his old age. Why is that? Insurance ownership indirectly protects a person's assets from unwanted expenses.
The older you get, the higher the risk of disease. And when you get sick when you are old, the medical expenses must be expensive because the healing process tends to be longer than that of young people.
By entering insurance from a young age, it is certain that retirement is safer. Even if the premium money increases, the amount is not as much as when using insurance when you are old.
Control Expenses So You Can Have Insurance
Insurance has a myriad of benefits that other financial products do not offer. It's best to control expenses from now on, so a month or two later you can list insurance. Thus, you are increasingly protected with the right product.
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