Man plans, but God disposes. This expression seems to have commonly we hear and may also have existed since time immemorial. If we look at, this phrase actually contains a hidden message: life is full of risk. Anything? Lots, Lady and Gentlement. From the smallest risk, such as slipping in the bathroom, until the risk of losing their possessions, limbs and even lives.
The question now, whether we should just let go, or just do the best preparation for the risk in case it arrives. As a financial planner, of course I recommend the latter option. It's not my intention to invite you to think pessimistic, but instead they invite you to think far ahead. There are a lot of goals in front there who still want to achieve. Therefore, in achieving the objectives above, you should also prepare themselves to face a number of risks that may occur.
One of the anticipation of risk you can do is to take some insurance. Here I will tell the various risks that may happen to you, and insurance to anticipate them.
1. Death .
Risk of death can happen unexpectedly at any time. If the deceased was alone, would not be ok. Troublesome if the dead man still had dependent children or other family members. How would their fate? From where they could eat and pay school fees?
If you currently have other people whose lives are your responsibility, certainly making life insurance worth considering. If there is life insurance, then the people you leave behind will get some insurance money he could use to finance his life. So, there is a third party who will "keep" the people you leave behind. There are many insurance companies that provide this service.
Everything is trying to provide the best service with various other inducements. You do not need to rush to close down or choose. Use your time for selecting which companies to provide bid and best service.
2. Accident.
Wherever you are, the risk of accidents would still exist. You get on a plane, train, ship, even the slightest chance is always there. There are even incidents of people walking in the open field suddenly falling aircraft. Once there is also a bus crashed into a house and harm nyelonong the sleeping occupants. What happens if you have an accident? You usually will be taken to the hospital. You also will stay if the wounds you need to care for a long time.
Due to worst, you are disabled. Could be one of the organ or limb is not working. As a result, you can no longer work and earn income. Therefore, Lady and Gentlement, to anticipate these risks just take accident insurance. Provide accident insurance coverage money when you have an accident that required hospitalization at the hospital, suffered disability or even death. Just as death insurance, there are many companies that offer accident insurance. Generally, they provide an affordable premium.
3. Sick / Ill.
Illness is expensive. If you are sick, at least you have to go to the doctor so that no consultation fee you pay. Not to mention drugs and if admitted to the hospital. Yes if the money exists. If not? Some hospitals are now requesting a down payment before you get treated. Not to mention if you have an operation. To guard against this situation, you can take health insurance.
Compared to a few years ago, now have more and more insurance companies sell this product. There are products that provide hospital reimbursement only, or replacement plus reimbursement of outpatient hospital, plus medication too. Now, you just live the best choice to suit your needs.
4. Disaster for House.
These days we often see the news of the fire. Whether it's market, offices, or settlements. Now, if the accident happened to the home you live in now, imagine what would happen. Fuss, not everyone has enough money to rebuild homes devastated, so many who end up having to stay in your home, or more is definitely more in emergency tents. For this type of tragedy of this kind are also available insurance. Usually the price is quite affordable.
5. Disaster on Vehicle.
Do you have a car or motorcycle? You also have the possibility of vehicle accidents. Now it only when driving, almost certainly there are other vehicles memepet-mepetkan my vehicle to vehicle. And it happened almost every day, especially in big cities. Even already driving with extreme caution could still be victims of the act of another driver who does not know the rules.
When the risk of accident is quite big, it could not hurt to take the vehicle insurance. Moreover if the vehicle to support you in making a living. If you are insured, when there is damage then the insurance company who will bear it.
Your life is the most precious treasure in this world, so invest your life for the future of someone you care about.
No comments:
Post a Comment