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Insurance is one way to protect yourself and your property from unexpected risks. There are various types of insurance available on the market, but among these there are two main types of insurance that are most talked about: general insurance and unit linked life insurance. These two types of insurance have different characteristics and benefits, therefore, it is important to understand the differences between the two. 1. General insurance General insurance is a type of insurance that protects you from financial losses caused by certain risks, such as accidents, fires, floods, theft, and so on. If you buy a general insurance policy, then you have to pay premiums regularly, and in the event of an event covered by the insurance policy, the insurance company will pay the claim to you. There are several types of general insurance, such as motor vehicle insurance, home insurance, travel insurance, and so on. Each type of general insurance has different characteristics and benefits, but the...

  Insurance is a form of financial protection that is carried out by transferring risk from one party to another, in this case an insurance company that bears the risk from its customers. How insurance works includes several stages, from the beginning to the end. 1. Insurance Selection The initial process in insurance is selecting an insurance company and the type of insurance product that suits your needs. Customers can choose insurance products based on the purpose and type of risk they want to cover. For example, if a customer wants to secure their family's financial future, they can choose a life insurance product. 2. Risk Assessment After choosing an insurance company and product type, the insurance company will conduct an assessment. Risk assessment is carried out to determine the premium that must be paid by the customer. The assessment includes health risk assessment, type of work, lifestyle, and other risk factors associated with the selected insurance product. 3. Premium ...

  A life insurance policy is a contract between a policyholder and an insurance company to provide financial protection to their family or heirs if the policyholder dies. In a life insurance policy, there are many terms and types of riders that many people may not know. Here are six types of riders in a life insurance policy that you need to know: Self Accident Rider Rider personal accident is additional protection that provides cash payments if the policyholder has an accident resulting in death or permanent disability. These riders usually provide larger payments if the accident occurs when the policyholder is in a public vehicle or airplane. 1. Critical Illness Rider Critical illness riders provide cash payments if the policyholder is diagnosed with a critical illness such as cancer, heart attack or stroke. These cash payments can help policyholders cover medical and daily living expenses while recovering. 2. Health Riders Health riders provide additional benefits such as financ...

  Life insurance is a financial product that can help you protect your finances and that of your family should something unforeseen happen. Although life insurance is becoming increasingly popular in the United Statesa, there are still many myths and misconceptions surrounding life insurance. In this article, we will discuss some of the myths and facts of life insurance in America. Myth #1: Only wealthy people need life insurance. Fact: The truth is, everyone needs life insurance, regardless of wealth level. Life insurance can help protect your loved ones from a large financial burden in the event of something unforeseen, such as unexpected death or disability. Myth #2: Life insurance is too expensive. Fact: The cost of life insurance varies depending on a variety of factors, including your age, your health, and the amount of coverage you need. However, as you get older, premium costs are usually more expensive. It's best to consider life insurance when you're young because pre...

When buying a house through a mortgage, there are many things to consider, such as terms, costs, and agreements with the bank. One of the important things that many people often overlook is financial protection from unexpected risks. This is why mortgage life insurance exists to provide financial protection for homeowners who are paying off mortgage payments. In this article, we will discuss mortgage life insurance and its benefits for homeowners. What is mortgage life insurance? Mortgage life insurance is life insurance specifically designed to provide financial protection to homeowners who are repaying mortgage payments. This insurance protects homeowners from unexpected risks such as death, total permanent disability (CTT), and critical illness. If this risk occurs, KPR life insurance will provide sum assured or compensation to the heirs or homeowners who are registered in the policy. Mortgage Life Insurance Benefits 1. Financial protection for families Mortgage life insurance provi...

Insurance is an important instrument in maintaining financial stability and protecting one's life from unexpected risks. There are many reasons why insurance is so important in our lives, from health to the assets we own. However, unfortunately there are still many people who do not really understand the benefits of insurance and how important insurance is for life and financial protection. One of the main duties of an insurance agent is to provide education about insurance and its benefits for customers. Agents must be able to explain clearly and easily understand the types of insurance available, the benefits of insurance, and how to choose the right insurance product. Why is insurance so important? First of all, insurance can help protect our life and health. For example, health insurance can help cover medical expenses if you fall sick or have an accident. In addition, life insurance can also provide financial protection for the family if we die. Second, insurance can also help...