Find out why your life insurance premium price is expensive or cheap

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Having life insurance is highly recommended by financial planners to those who are the breadwinners and have a life dependent. Buying life insurance becomes a family financial risk management step.

In the future the breadwinner dies, the sum assured can be liquid and used by the heirs to continue their lives. Good for daily living expenses as well as for dependent school fees.

 Life insurance or term life is also fairly inexpensive as a person's risk management option. In the current market is still available pure life insurance products a.k.a. Term life with a premium fee under Rp 5 million per year and sum insured over Rp 1 billion.

If you currently have dependents but don't have life insurance yet, it's a good idea to start weighing the product for financial risk management. The reason, the more you grow older, most likely the price or the life insurance premiums that you have to pay will be more expensive. Here are some factors that determine the price level of life insurance premiums:

1. Age insured of the insured person determines the price of life insurance premium. This relates to the mortality age statistics All insurance companies have statistics about the age of life expectancy which is the basis of their large determining premium. The younger the insured age when signing a life insurance contract, most likely the premium to be paid is also cheaper.

A person with an age of over 40 years may have to pay more expensive life insurance premiums than a 30-year-old insured. Even some insurance companies do not require medical examinations to the prospective insured if the age when buying an insurance policy, still under 30 years.

2. Active smoker When you are an active smoker and want to buy life insurance, be prepared to be more expensive premium than those who do not smoke. The majority of the insurance companies are in view, those who smoke have a risk of illness and death are greater than those who do not smoke.

3 Health history becomes one of the most important factors affecting the small risk of death of a person. If someone has a bad health history have suffered a heavy illness, the cost of life insurance premiums that he should pay can be more expensive.

4 Job type of work is also assessed to have donations on small risks of death. When you work in a field with the risk of accidents and high deaths such as mines, oilfields, aviator, your insurance premiums can be very expensive.

5. Value of money coverage the greater the coverage you need, the more expensive the premium you have to pay. Therefore, be wise in calculating the needs of life insurance coverage. Adapt to the needs and inflation rate for precise value.

6.Term of the policy contract

Life insurance policy contracts are available from short-term to 20 years. Choosing a 5-year contract and 20 years will give you the difference also on the premium load you have to pay.

Choose the period of the policy contract as needed, that is until the time dependents you can be independent. For example, your oldest child is currently 10 years old. A common assumption, at 23 years of age, your child can be independent.

Thus, you simply purchase the insurance policy contract for 13 years. No need to purchase a policy contract for up to 20 years. Congratulations on protecting yourself and your beloved family with life insurance.

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