The reason you have to follow the life insurance

Is the desire of all people to have financial success of the days of his life, as well as to family life and his descendants; have luxury homes, cars, and assets that affluent, child's future is assured, walking out of the country for recreation and worship, enjoying retirement sufficiency.

But to achieve all it is not without obstacles, those who have jobs and steady income even if not certain that they will achieve these things. From the results of a survey conducted by LIMRA (Life Insurance Marketing Research Association) found that the percentage of the working age population from 20 years, the retirement age of 60 years, after working for 40 years:

* Rich: 1%
* Independent: 4%
* Still working: 5%
* Bankruptcy: 12%
* Died: 29%
* Depending on others: 49%

In retirement to come, we will face more problems, including:

* Inflation. The high inflation rate resulted in the accumulation of increased cost of living a double
* Leisure. In retirement, every day is a holiday that would rather spend the cost for pleasure.
* Medical Expenses. The retirement age is the period at high risk for developing the disease, whereas no health coverage through age 65.
* Life expectancy at birth. Along with increasing life expectancy, the retirement will become longer and thus require more funds need to be prepared

In addition, there is no guarantee that we will retire, as a fact of life is that everyone MUST be dead, but not sure WHEN the death? It could be before retirement had died due to illness or accident. Death of breadwinner families will result in loss of income for her family. Reduced earning capacity (eg due to illness or disability), requires a financial guarantee that families still live a decent life.

Thus, it is necessary efforts to avoid things that are not desirable in the future (retirement). One that can be done is to follow the program of financial planning (financial planning). The fact reveals that retirement is difficult; still work when the elderly, broke, dependent on others, even the homeless is NOT caused by the existence of financial planning. With good financial planning program, after 40 years of work, it will be enjoying retirement with financial independence and maintain family living standards, even if you have a critically ill or no longer with the family (a sense of security and protection).

Financial planning program (financial planning) allows us to create a goal or goals to be achieved in the future, for example:

* Children's education is assured
* Enjoy retirement
* Maintain the standards of family life when you are critically ill or no longer with the family (death).

One program of financial planning for families is a unit-linked life insurance. In contrast to traditional life insurance, unit-linked life insurance combines life insurance programs and investment programs, so the goal should keutungan of long-term investment greater than the savings or deposits at the Bank.

The benefits of unit-linked insurance plan that is acceptable clients include:

* Multiple Crisi Cover, the insured will get the sum assured for critical illness treatment costs
* Payor, when exposed to critical illness, stop saving the insured, and insurance companies will pay money to savings during the contract period.
* Crisis Income, insurance companies will provide a replacement income if the insured is experiencing one of the critical illness.
* Hospital & Surgical, the insured will be getting the cost of hospitalization and surgery.
* Accident Death & disablement, will get a compensation sum insured if the insured had an accident, disability, or death.
* Heritage, the beneficiary will receive the sum insured if the insured dies within the contract period.
* Investment. Insured or heirs (if the insured is deceased) will get the results from unit-linked investment

With this paper, I have reason enough to follow the life insurance program. How about you? Have you protect yourself and your family that you love?