Tips to get cheap life insurance premiums
hpk
Insurance is a type of protection that everyone
should have, the reason, in the absence of insurance, means they have no
reserve funds when a disaster occurs and they cannot protect themselves or
their families.
However, the survey
showed that when the husband suffered from calamity, the wife who does not have
insurance will experience decreased quality of life because of the absence of
financial protection. The increasing cost of treatment is also one of the
reasons insurance is needed.
However, there are many
reasons why one does not have insurance, and one of them is the expensive
insurance premium. Whereas having insurance does not mean it should always be
expensive, here are the tips to get a cheap premium:
1. Start early the higher
the person's age, the risk of death will be higher, because of this high risk,
the insurance premiums will increase as well. This explains why parents are
required to pay premiums more expensive than young ones not assume that the
young age immune to everything because calamity can befall anyone. By
starting the insurance from a young age, not only the premiums you have to pay
lower but you will also be protected starting from the beginning.
2. Pure Life insurance
has been a lot of insurance that offers investment frills where at the
policyholders can withdraw the value of the cash or investment and of course to
anticipate this, the insurer must raise the amount of premium for the funds
Fulfilled. If you want to have insurance with a cheaper premium, choose pure
life insurance. This insurance is known as term life insurance, this is an
insurance that only provides life protection.
The agreement, if the
insured dies, the insurer (insurance) must pay the sum insured on the
beneficiary and the insurer does not need to do premium returns. This type of
insurance has a premium that is reasonably cheap because it has no investment
value so there are not many pieces for commissions.
3. Choosing the added
benefit carefully the insurance agent will always offer the rider (additional
benefits such as protection against critical illness, accidents or health) as
they will earn commissions if it manages to offer it. But by taking the rider,
your premium will become more expensive. Although riders are required, we
recommend careful consideration.
4. Use family insurance that
is offered for families today there is a separate and there are so one.
Separate means each family member must have separate insurance and pay a
premium from a different policy. While on the second system, the insured only
need to buy 1family insurance and usually, this second way will be cheaper
because it is only required 1 insurance policy.
5. Refunds on bills there
are two different methods of reimbursement of hospital hospitalizations,
namely:
•In accordance with the inner
limit, where the maximum limit (inner limit) will be determined by the insurer.
• According to the bill,
this means the insurer will reimburse any hospital maintenance bills during the
annual limit is still available. The second way will be more profitable for you
because there is no need to pay a maintenance fee with your own money. That
way, you will not be overwhelmed by the cost of premium and maintenance costs.
6 Avoid logical life
insurance, the longer you are protected, the more expensive is also the
premiums, this means that the insurance that protects you until the age of 99
years will be more expensive than the insurance that protects up to the age of
70 years. Although it looks very useful, you should consider the protection
needs of family members with the impact on the premium. One way to get a cheap
premium is to take insurance up to a certain age. Unprotected shouldn't be
expensive after learning these 6 tips, you should begin to understand that
insurance is actually quite affordable. Start protecting yourself and your
family as early as possible so that it is always ready in case of unwanted
things.
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