Life Insurance

Definition of Life Insurance
Life insurance is the definition of a transfer of risk (Risk Shifting) for the financial loss (financial loss) by the Insured to the Insurer. Risks that are delegated by the Insured to the Insurer is not the risk of loss of one's soul, but the financial losses as a result of the loss of one's soul, or because of old age so it is not productive anymore.

Concept of Risk
The economic value of the life of a head of household (the breadwinner) is equal to earnings capacity. If the economic value of the life of a family head is lost or reduced, then that will suffer directly is the loss of his relatives. The risk of loss of income is to be borne by the families left behind.
 

To reduce these risks in modern times has been taken one way to assign or delegate the risk to others, in this case the Insurance Institute which specializes efforts in this area as a profession. The delegation of the risk is more popular is called "buying a life insurance policy".

Types of risk to insured
Throughout human life is always confronted with the possibility of occurrence of events that can lead to lost or reduced its economic value. This resulted in harm to themselves and their families or other interested person. In other words, human beings always face the events that would pose risks as follows;

• Dead (death) either naturally (natural death) and died at a young age due to illness, accidents (accidental death) and others. Each person would have died, although not sure when it will happen. The death of a breadwinner will result in loss of income sources for the interested. Therefore required financial guarantee within a specified period during which abandoned have not been able to adjust to new conditions.
• Disability agencies (disability) due to illness or accident. As a result of illness or accident, a person is physically or mentally unable to work while thus affecting earnings. Whereas if a person suffers total and permanent disability, they can not work at all.
• Critical illnessCritical illness can come at any time regardless of age, whether a person is young or old. Critical illness can not be known when the arrival and can not be known with certainty.
• Old age (old age) / Retirement. Old days of events will inevitably occur, but how long it lasts the life of the old days, can not be known with certainty.
• Education. The development of the education the longer the better. The cost of a child who will continue the longer education even more expensive. Parents should be able to anticipate the development of the education very seriously, because the cost of education today and ten years would have been much different peningkatanya.

The types of life insurance policies
Of the various types of life insurance available today, there are basically three types of life insurance;

• Term life insurance (Term Insurance). Is a life insurance contract where the sum assured is paid only if death occurs within the period of insurance coverage period is still valid. Term Insurance is the simplest form of insurance and the elderly. This type of insurance is sometimes referred to as temporary insurance, according to insurance. The amount of premiums on insurance is also the cheapest compared with life insurance and life insurance Dwiguna.

• Lifetime Life Insurance (Whole Life Insurance).  Life for life insurance is designed to provide lifelong protection as long as he keeps the Insured the policy remains active with her policy through premium payments. In addition to death protection, policy in also provides a savings element which is known as cash value that arises because premiums remain.

• Life Insurance Dwiguna. This insurance is comprised of two elements, namely protection of life and savings. Mental Protection provides death protection. Savings on the insurance element is higher so appropriate for the purpose of saving money. With the savings element  higher than the Insurance Term Life Insurance and Life long

•  Life Insurance Unit-link. In addition to the above three types of policies or also called the traditional policy, the life insurance business insurance policy is also known Unit link. Unit-link life insurance policies combine insurance with investment components. This policy provides life insurance policyholder protection as well as the opportunity to participate in investments managed by insurance companies. Funds placed in the product cut for insurance coverage and the remainder is invested in units of the fund concerned.

The purpose of this policy is to invest. By linking the investment policy unit-link with the performance of a fund, the policyholder has the potential to get higher investment returns than traditional policies. Investment risk entirely the responsibility of the policyholder and the possibility of policy values ??may fall. So, even though the potential policyholder investment returns greater than a traditional policy, investment risks are also great.a

Best Heath Insurance Vs. Good Health Insurance

Health insurance is a type of insurance product that specifically guarantee the cost of health insurance or care of the members if they fall ill or have an accident. Broadly speaking there are two types of treatment offered by insurance companies, namely hospitalization (in-patient treatment) and outpatient (out-patient treatment).

Products held either by health insurance company social insurance, life insurance companies, and insurance companies are also common.

Many health insurance companies that claim their products are the best health insurance, so confuse lay people. The question is, of all the best insurance products that, where health insurance is good for you?

Not many people have insurance awareness let alone think of to protect the health of family members

(family insurance).

There are three things more important than just the benefits of inpatient / road course, you need to look at and be a consideration in choosing a good health insurance, three important things are in general not all life insurance companies / health dared to bear, the important things that is ...

• Critical illness cover
• Total Permanent Disability Cover
• Period of Protection

Valve seat belts for kids

Dearborn - Ford unremitting doing technology development, especially for the safety of drivers, passengers to pedestrians. Now, one of America's giant car manufacturers are developing an air bag (airbag) and seat belts for children.

What is the greatness of two safety devices such? Special seat belts when the accident occurred to bubbling, though not great.

Ford already have the test, although the computer simulation produced can not be separated from the validation process for the Ford equipment. This technology allows to be part of the company's testing facilities to accommodate and understand the safety of children is more detailed and effective.

In the simulation of the accident, which became research from Ford is the variable child's body, such as strength and structural properties, muscle and bone. Aspects of this specification who became principal in a computer-generated simulation of the car so the results can be assessed.

Ford Research & Advanced Engineering Dr. Steve Rouhana said, life is very important in the safety car because he did not interact normally with a seat belt. "The body of a child is very different from adults. On the basis of the child as a test model is helpful to design a better system of protection," said Rouhana.

Only, he added, this technology takes a few more years to its development up to the perfect level.

Unit-linked Life Insurance

Life insurance is a unit-linked life insurance products that are hybrids. Therefore, providing two benefits at once, the protective benefits of life insurance benefits and the benefits of investment in the form of cash value.

The insurance benefits are contained in a link unit is not different from the protection given type of traditional life insurance, the death benefits, benefits health benefits, and other benefits according to the selected program.

Special, unit-linked benefits from investment results that placed a premium on investment funds which are expressed in units The crisis that hit the market around the world, should not make giddy. But on the contrary, remained steady in managing strategies and activities including financial management in a variety of instruments, including instruments of long-term unit-linked insurance.

Benefits link units
Excellence Policy Unit-Link does not change, she delivers a wide range of flexibility for customers. For example unit-linked policies allow you to increase your investment funds into the policy,

Even some unit-linked insurance programs provide premium vacation facility for a certain time, during which period allowed certain customers to not pay the insurance premiums without policy must fall. The benefits of this flexibility is also supported disclosure of information where the development funds and transactions are reported periodically.

The report includes a description at least the amount of the premium allocated to the protection and the premiums used to purchase units to be invested, the number of units held, the unit price at that time, the amount of funds currently under management and fees charged to policyholders through policyholder.

One of the special in unit-linked products are the choice of various types of managed funds provided by the company issuing life insurance. Completeness of the various types of funds is important, to be tailored to the investment objectives and risk profile of each customer. Risk profile refers to a tolerable level of risk, namely the readiness to bear you in a fluctuating level of investment risk.

Sharia law Health Insurance

Many who still doubt the health insurance law, including health insurance law sharia Sharia law health insurance is associated with its illegitimate or not if we want to register this health insurance. This is reasonable because so much of the info out there about the maze of health insurance law.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.
Some things about the health insurance law has been my review on insurance law page on this blog. This page is only as an adjunct since many who want to know more about health insurance laws.

Islamic system of insurance at its core indeed have a fundamental difference with conventional ones, among others:

• The principle of Takaful contract is Takafuli (mutual assistance). Where the customer is the one helping the other customers who were experiencing difficulties. While conventional insurance contract is tadabuli (buying and selling between customer and company).
• Funds collected from customers' insurance companies (premiums) are invested according to sharia sharing system (mudaraba). While in conventional insurance, investments made in any sector fund with a system of interest.
• Premiums collected still treated as funds belonging to clients. The company only as a fiduciary to manage it. While in conventional insurance, the premium belongs to the company and the company who has full authority to establish funds management policy.
• If there is an affected participant, for payment of customer claims the funds deducted from the account tabarru (social funds) all participants who already Relax for the purposes of mutual assistance. While in conventional insurance, the claim payment funds taken from accounts held by the company.
• Investment profits divided between the customer as the owner of the funds with the company as manager, with the principle of revenue sharing. While in conventional insurance, the benefits become fully owned by the company. If there is no claim, customers do not get anything.
• The existence of the Sharia Supervisory Board in Islamic insurance company which is a must. The Council is instrumental in overseeing the management, products and investment policies in order to keep in line with Islamic law. As in conventional insurance, then it does not receive attention.

The reason why the claim is not paid

Below there are several reasons why an insurance claim is paid :

• Not included in clause (contract), for example: accidental death, but in fact the customer died of natural causes dies then the claim will not be paid
• Included in the exceptions, for example: some types of cancers such as skin cancer, prostate, etc. (each insurance company sets different types of cancer that can not be claimed. Or die for committing the crime, was also included in the exceptions
• Existing disease, if the diagnosis is known that the claim is filed due to illnesses that existed before the policy applies and is not listed in the policy, then the claim is not paid.
• The document is incomplete. Completeness of the documents required when a claim such as: medical certificate, the letter claims from customers themselves. Lack of any one document then the claim will not be paid.
• Still in the waiting period. Several types of claims such as critical illness, the hospital requires a waiting period (time after sunrise policy) between 30-365 days. If the disease that claimed the waiting period included in the claim not being paid.
• Policyholders in a state of lapse. Lapse, which means the policy is not active yet because of unpaid premiums due the insurance company will not pay claims filed.
• Claims filed later than the time specified. Usually, insurance companies set a deadline for claims between 30-60 days, later the claim would not be served.
• Claims filed due to the customer to commit a crime. For example: admission because he was beaten while stealing mass.
• Crime insurance, for example: accidentally cut his own finger to get reimbursement. Or heirs who commit crimes against the insured claims that considering the amount of money will be obtained.
• Being outside the contract territory. For example: in a written contract all the events that occurred in Indonesia, but in fact there are events outside of Indonesia then the claim will be rejected.

Seeing the many reasons for unpaid insurance claims, it is important for policyholders to study the contract carefully because every life insurance companies have different asuransi.

The Importance of Having Health Insurance

In Indonesia there are two types of health insurance is health insurance collective (group) and individual health insurance. Insurance is usually reserved for private individuals or families, while insurers collectively as found in many companies already provide health coverage to their employees. Individual insurance premiums to be paid relatively higher than the collective health insurance. Why is that? Because of the collective, then the number of participants who took part individually or bigger so the risk of a claim can be evenly by all the individual within the group. The greater the number of groups or members within a single institution or company, it will lower the premium to be paid.

Health Insurance Benefits
Health insurance is a type of insurance that helps the availability of health insurance funds if participants develop health problems or illnesses. All the needs of seeing a doctor, stay (care) in hospitals, drug costs in the hospital until the operation, all that can be covered by insurance companies. Generally this type of treatment or programs that are available are the benefits of ambulatory (outpatient), benefit of inpatient care (inpatient), labor benefits and dental benefits.

In general, the benefits of ambulatory (outpatient) are covered by insurance companies is as consulting fees or general practitioner and specialists, prescription medication costs, costs of preventive measures, the cost of assistive devices required by doctors, and others. In the outpatient benefits have maximum limits use of funds each year. While hospitalization benefits that can be enjoyed by participants of health insurance is like the hospital costs, lab fees, delivery fees, the cost of emergency service (emergency). The benefits of preventive dental care, basic dental care, dental care complex, and the installation of dentures.

Third-care benefits, namely outpatient, maternity and dental benefits is an additional option that we can take the following basic program, which benefits of hospitalization. So, we are not allowed to just take advantage of outpatient care, childbirth or dental work alone without following the basic program of hospitalization benefits.

The amount of premium to be paid and the amount of value in health insurance is dependent on the health insurance program that we choose. Various insurance companies have the types of programs and premiums vary by the details of benefits also varies. Typically, insurance companies limit the amount of the total cost that can be used per year.

The system claims / reimbursement of health insurance

The system used by health insurance companies there are 2 ie the reimbursement system (reimbursement) or the system provider. With the reimbursement system, insurance participants have to spend money first to pay for treatment then can we claim or request a replacement to the insurer in which we become participants of insurance. With this system we are then free to choose a hospital anywhere, but certainly the maximum reimbursement has been determined in advance. That need to be our primary concern in making the claim is the completeness of letters of administration that became the main requirement for the reimbursement of expenses that we can be paid out by insurance companies. How quickly depends on the disbursement of claims services provided by insurance companies, but generally ranges from 7 working days.

For those who embrace the system provider, we do not need to spend money first. We only provided with health insurance membership card in order to obtain needed health care in a hospital or health clinic that we selected earlier based on a list of hospitals that work with the insurance company.

Choosing health insurance

What kind of health insurance that we need to look at and we choose? Here are some tips that may help us in choosing health insurance

• Principle carefully before buying. As a potential participant health insurance, we are entitled to get the right information, clear and honest about the terms / conditions stated in the insurance agreement. We should first read the instructions, information, and procedures are carefully and do not hesitate to ask the insurance company if there is something less obvious. Learn the agreement properly so that it can make the right decisions. Given the usual clause or clauses written in small letters on the back of the agreement and use a term that is sometimes difficult to understand layman, then we must be diligent in asking to avoid conflict in the future as a result of the difference between our interpretation as a participant, or insured by the company insurer or the insurer.

• Choose the insurance companies are reliable and have good products and services. Try to compare with some health insurance companies are reliable and have excellent service. Compare the benefits and premiums to be paid between the various health insurance products. Choose one that suits your needs and our ability to pay premiums.

• If the company where we work do not provide health insurance, then we can take the initiative to follow the collective health insurance program with fellow employees in our company. This will benefit because the premium paid would be lower if the collective, but the losses may not be able to adopt 100% according to our will as well adapted to the needs of the group.

If we reflect for a moment then come sickness or accident is an event that often occur, although the timing is not predictable. Therefore, it needed a plan to prevent and resolve the issue carefully and wisely. The principle of "willing umbrella before it rains" can be done, one way to have health insurance. So hopefully useful

Artist Health Insurance

 East Java provincial government promised health insurance coverage on the artists so they can continue working until old age. This guarantee is important, considering the artist was instrumental in maintaining the cultural treasures.

  Government is obliged to keep the artists that can still work. It is they who can defend and preserve the culture of Indonesia, especially East Java, East Java Governor said while giving a rope compassion Soekarwo 300 artists in the East Java House of Culture and Tourism, East Java,

Concern and attention of East Java provincial government to provide health insurance to the artists came on the sidelines of the rise of Indonesia's claim of cultural property by foreigners. In fact, according to Soekarwo art is the identity of a nation.

5 Step to Prepare Education Insurance

The cost of education today is becoming increasingly large. Therefore, education funding should be prepared well in advance rather than when a child going to school.
Families who already understand the family expenses and have usually been prepared financial planning education funding since the child was born.

 

There are a number of stages in preparing the education budget.

• First, determine the child's school. Families should know clearly the desired education for the children and adapted to the child's ability. Family can not force children to attend schools far above the standard value is the child's ability.
• Second, calculate the cost required for the education of children. Families should gather information on the costs required for the education of children. The fee includes tuition, cost of development, recreation fees, cost of books, as well as other costs.Inflation and interest rate
• Third, determine the inflation rate from now until the child goes to school even when the children were educated in the school. The inflation rate can be calculated using the current inflation rate assumption. When inflation is now too small, the estimated inflation rates must be raised. If this year we have 5 percent inflation, the family should raise the inflation rate around 6 percent to 7 percent.The government itself has a corresponding inflation expectations, moderate, and worst. Families also can ask the research institution or agency that issued the inflation, such as the Central Bureau of Statistics or economic experts, in order to get inflation numbers are valid and reliable for estimating the future.
• Fourth, do the calculations to the interest rate applicable in the future. Interest rates are predicted in the future can not be separated from the estimated inflation rate. The interest rate is a reflection of the prevailing inflation rate. Therefore, families must obtain a desired real interest rate the government every year. If the real interest rate that you want the government about 1 percent to 2 percent, as now, the prevailing interest rate is the result of the real interest rate with inflation. When inflation is 7 percent, interest rate of 8 percent to 9 percent.
• Fifth, determine the amount of savings made. When the funds needed have been determined and the amount of time to get to school children, the family can determine the amount of savings each month. For example, families need a fund of Rp 75 million, of which these funds are needed the next five years or 60 months, then the funds should be set aside from the family monthly income of Rp 1.25 million. That is, funds amounting to Rp 1.25 million savings is kept under the pillow, have not been bred through investment. When families make an investment, funds set aside will be smaller and very good when longer investing.

In the conduct of investment options, families can invest their own or place them on the investment manager and also combine it with insurance. When used its own investment, the investor requires knowledge of the investment and takes time. When deposited, the family must get the information more widely, both interest rates and banking conditions are concerned. All actions the family must contain risk and should be understood.

Insurance education
When families choose education insurance, it must realize that in addition to paying insurance premiums, the family also invested. Useful insurance premiums to pay for education expenses if the family could no longer pay the mortgage investment. This inability may be due to the insurer the premium can not work or died.

When families take out insurance, family expenditures for education fund savings will be greater. On the other hand, the family does not have a headache thinking about investments that will be done to achieve the desired educational funds. Future risks have been transferred to the family through the payment of insurance premiums. However, insurance is not required if the family know the exact health and uncertainty in the future. Families should know exactly the family's ability to be able to provide the education fund.

As described previously, in preparing this education fund, the family would face the risk, both risk tightening family expenses, investment risks, and risks the fund needs to swell because of the situation. Families must prepare themselves to face these risks by carefully watching the education fund.

Can Cancer Insurance Costs Covered

Compared to a decade ago, now many cancer treatments show satisfactory results. Patient's life expectancy increases, and even the amount recovered is greatly increased. However, new therapeutic treatment of cancer requires a very expensive cost. In fact, most people in Indonesia do not have health insurance.
If seen the cost per person, it would be very expensive, but the incidence of cancer is not very high, about 10 people per 100,000 population. If the cost of treatment was carried noisy by the entire population through the social security of b

"Like its name a pun, meaning cancer dry bags, suffering from cancer can make people rich despite being poor," says Prof. Hasbullah Thabrany, Professor of School of Public Health University of Indonesia (FKM-UI), which became a moderator in the discussion Cancer Management and Financing in Indonesia, held by the FKM-UI and Roche in Jakarta (11/05/2011).

The Government currently is preparing the National Social Security System (Social Security System) which includes health insurance for the entire population. But according to Hasbullah, there are those that assess cancer do not need to be guaranteed by health insurance because it is expensive. In fact, with the implementation of health insurance for all people, the cost burden of cancer treatment can actually be suppressed.

"Currently, treatment options not only based on scientific research but also to be seen side of the economy and valuenya. Allocation of costs must be an efficient and balanced with the expected results. Moreover, cancer drugs do not give the same results on all cancer patients,"

Tips on How to Choose Auto Insurance

Many people do not know the importance of insuring the vehicle. Given the motor or car theft increase, also prone to accidents when driving.

Insurance companies generally quite a lot in Indonesia, you can choose according to your convenience. I want to share information about general insurance, especially for your personal vehicle.

There are several terms in the motor vehicle insurance you should know the definitions and benefits:

• Allrisk  : If you want your vehicle insured with various risk of accidents, then you should choose the coverage Allrisk.The risk borne by insurers when you take allrisk coverage are:

1. hit by another vehicle anywhere
2. crashed into another vehicle or other object anywhere
3. signs carved signs singers in traffic at red lights
4. either stolen vehicle or stolen in part as the rear view mirror or other accessories are standard. If you are non-standard accessories, it should come insured

Each report claims there Own Risk to be paid Rp. 200.000, - per occurrence. The purpose of this own risk, for any of your responsibilities in driving.

For some theft cases such as mirrors and other accessories you have to make a letter stating the police report the incident really open theft embezzlement.

And if your vehicle is lost also filed a police report if your vehicle is not stolen and embezzled a letter to be signed Units. This process is a bit long about a month to two months. And if within 3 months of unsuccessful vehicle is found, then the insurance transfer money at the time the vehicle is lost or the amount of coverage, whichever is smaller. To lose his vehicle Own Risk usually 5% of the value to be paid the insurance.
Usually almost every insurer is not willing to accept All risk Motor for coverage, because the risk is too great.

• TJH Party III (Third Party Liability) : If when you hit both vehicles of others, the fence people's homes, postal substations and hit people and the injured party to demand compensation and repair or hospital costs could be covered by insurance. You can just ask the insurance for covered also TJH Party III. There are already included in packages, there is also a need to add premium.Usually there is a third party TJH USD. 1.000.000, - per occurrence, Rp. 5.000.000, - per occurrence, Rp. 10.000.000, - per occurrence or how many you want. This means that if you choose the USD. 10.000.000, - per occurrence, when there is demand for third party insurance will indemnify the third party that a maximum of Rp. 10.000.000, -.If there is a third-party claim when you claim the police should also include a letter stating what happened and the letter of demands from third parties.

• Melee : Riot coverage if your vehicle is harmed as a result of riots, sabotage, barring employment, terrorism and looting, the loss will be covered by insurance if you take out this insurance.But you have to read her policy covered the riots as what and what does not. Because there is some kind of unrest is exempt.Own risk for a riot is usually 5% of the approved amount or a minimum loss of Rp. 500.000, - and usually the motor can not use this facility.
• Natural Disasters : For the rare natural disaster insurance that would cover all the risks of natural disasters such as floods, volcanic eruptions, hurricanes, tsunamis, hurricanes and earthquakes. But instead of nothing, there are also some insurance that will accept all risks of natural disasters. When you choose a complete disaster when the vehicle then a falling tree or a billboard collapsed in a strong wind or earthquake insurance will be replaced party. Most insurance is only willing to accept the risk of flooding. If you are affected by flooding during the street festival, immediately turn off the machine and telephone to tow your car insurance. Because if you insist on running amid flooding and water into the engine, usually the insurance company would not replace the damaged engine. Risk itself is usually 10% of the amount approved to be replaced or a minimum of Rp. 500.000, - and usually the motor can not use this facility. 
• Passenger Personal Accident (Personal Accident - PA) There are several insurance provides coverage for the PA, nothing can replace the hospital costs, there are only for permanent disability and death. Usually there is a USD. 5.000.000, - for each passenger with a maximum passenger 3 or 7 people plus the driver i, there is also a rp. 7.5 million per person or Rp. 10,000,000 per person.All depends on your choice of which would be borne. 
• Theft or Loss (Total Loss Only - TLO) You can also insure your vehicles with coverage TLO, meaning you will only be reimbursed by insurers at the time your vehicle is lost because of stolen not because of fraud.

The process of claims and risk themselves with the claim process at the point allrisk theft.


All depends on you which ones if needed. The most important partner of the garage before the insurance check is, when the garage-shop nice and have credibility you can drop the selection on the insurance. Especially if you often take the vehicle out of town, also check that there are workshops in other cities.

Differences between the First and Second Generation BMW X3

The first generation was launched in 2004 and has sold over 614,824 units worldwide. He is at once an SUV BMW's most lots sold. The second generation began production on 20 November 2010.

Gasoline and diesel

For the generation-2, BMW offers two versions of the machine, namely a 3.0 liter gasoline twin-turbocharger equipped with direct injection technology. This type is called the xDrive35i and is the most luxurious version of a selling price of about USD 900 million (off the road).

Meanwhile, the diesel version is named xDrive20d. This version 4-cylinder engine with common rail technology, turbocharger, piezoelectric injectors and is offered in two variants, namely the Executive and Business.

It uses motion SUV AWD system (All-Wheel Drive) full-time with dynamic traction control. That is, either on a smooth road and off-road, four wheel operated directly by transmission. The typical transmission step tronic BMW X3 uses.

The latest version uses a comparison of 8-gear acceleration. The operation simply by pushing the lever shifter to the front and back! Shifter model similar to that used in other BMW models, Series 5 and Series-7.

Other standard equipment is cornering brake control (CBC), dynamic brake control (DBC), rain brake support, fading compensation, Hill-start assistant, hill descent control (HDC), and electric hand brake plus monitor the distance to the object in front and rear car when parking.

In addition to making this SUV a secure and comfortable when accelerated, these features also make the security level is guaranteed. In addition, these features are also very easy working drivers, including in difficult circumstances. For example, when stopped on the hill (with the use of HDC).

Exterior

At first glance, somewhat difficult to distinguish the X3 and the Gen-1 Gen-2 this. The reason, BMW does not make a revolutionary design change and remain with the transition. In fact, the exterior changes thoroughly. Changes to the front there is the grille, bumpers, headlights, side fender front, and hood.

At the rear, there are differences on the glass door, a combination lamp design, the rear door, bumper, and exhaust tip. Especially on the gasoline engine, the second generation there are two exhaust tip. The combination lamp design (rear) All-New X3 is the same as that used in other recent BMW models, the layered design (clearly visible when the light is on).

From the side, the differences seen in the design of the wheel (wheel) and a line along the side of the vehicle. In the latest version, the side-line starting from the front sepakbor and forwarded to the front door so as to form a straight line with the center of the door handle, door, and taillights. In the first generation, the side-line of this body is above the door handle. Door handle design is also more stylish and exclusive.

The bottom is also made to give the impression of bending the sporty. Small lamp next to the body is also changing the design. The rather striking change is in the glass pillar C. For the X3 version of gasoline, given the trim around the side glass encrusted chrome.

Is There Any Ideal Health Insurance

Choosing the right insurance products is not a trivial matter. It takes precision and accuracy because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.

Owned health insurance is insurance should
pure health, not mixed with the investment. It is intended that the benefits higher. For example, reimbursement of expenses of hospitalization or surgery is greater.

According to Tri Djoko Santoso, a financial planner, health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending of property," said Chairman of the Financial Planning Institute of Indonesia. Tri Djoko added, an employee who already receive health insurance from any office should still protect themselves with health insurance. "Insurance was no limit. Usually if one employee to pay too high because of critical illness, the next year an insurance company would not put another person in the program," he said.

Nearly 70 percent of Indonesia's population at its own cost of doctor or hospital. There are various reasons that people are still reluctant to take insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.
Everyone without exception should have health insurance that will guarantee the cost of health care or care when someone falls ill or have an accident. Moreover, although we have been keeping good health, diseases can come without warning. On the other hand, health care costs continue to rise.

To prevent losses due to insurance, there are some things to consider prospective customers, namely:

• It should be understood that the insurance premiums is an expense, not investment. In other words, our money will be lost if the period of the policy we are in good health.
• Ask your insurance agent for the detailed each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage includes outpatient services or inpatient only?
• Because of the cost, insurance buyers should ask friends or people who felt more aware about insurance. Not infrequently an explanation about the disease written in English so that it can cause the wrong meaning.
• Ask also about the claims procedure. More quick and easy claims process, the better kuliatas bureaucratic insurance companies concerned. That is why, notice that the insurance company track records will be selected.
• Tell the truth if you have a particular disease prior to the enactment of the policy. 

Source : Kompas

7 Myth of Life Insurance

Public awareness to purchase insurance products are often called low. This is partly due to the allegations regarding the loss or constraints that would be obtained if you purchase an insurance product. True?

This is what needs to be clarified. Life insurance is an important part of financial planning. However, misunderstanding about life insurance can prevent people to get benefits. Later, when there are problems, he should have realized long ago purchasing insurance. So you do not inedible gossip or hearsay about life insurance (which is not necessarily true), you should first identify the myths surrounding the most popular life insurance.

1. Buying insurance is complicated
   It takes time to process your insurance purchase, including approval of insurance demand that you ask. However, the current financial planner aka insurance agent already applied fetch the ball. That is, they who come to you and take care of everything. If less clear with the rights and obligations, you also can access its own on its website. You can also compare themselves with other insurance products. If still not clear, you can schedule another meeting with your agent.
2. All the same insurance policy
   His name is also the product or merchandise. Each would have advantages and disadvantages, which are manifested in the form of policy. The policy may use the same term, but the substance of what he can cover different. So when you buy an insurance product, do not just consider price alone. Read a good policy given that you do not feel cheated later.
3. Life insurance is generally too expensive
   We will buy insurance, you will be given the option to pay premiums that match your ability. Premium selected young people will certainly be lower than those already established. Moreover, in addition to annual paid, there is also the premium can be paid monthly. The value of this premium can you upgrade when the better your financial condition.
4. The housewife does not need to buy insurance
   You may not have income, but you would still have to provide facilities needed by the family. For example, child health, clothing, food, home care, and so forth. When her husband dies suddenly, or not able to work again, for those needs you must meet their own course. Well, life insurance can guarantee your safety while the couple was no longer there to meet your needs.
5. Only people who already have children who need insurance
   According to Michael Bonevento, senior financial advisor at Ameriprise Financial Services, Inc.., They are married and married with children, or married with children with special needs, may have an obligation to buy insurance. Even so, there are many instances where single people also have insurance. When the single came from poor families are in, he can leave the insurance claim for his family when problems occur to him. So he took the insurance to make sure his family did not have financial problems when he was gone.
6. People who are young and single does not require insurance
   Is there a person who suffered a loss when we die? However, although we do not rely on others, we still would leave the credit card debt, mortgage, loan cash, until the funeral expenses. Life insurance policy generally will cover these costs. The sooner, or the younger you buy insurance, you can get lower premiums. Insurance also will guarantee the costs you spend when you are having health problems later.
7. If a company already providing insurance, for what else to buy insurance?
   Many companies that provide life insurance or health insurance for its employees, whose value may be equal to your salary a year. This may be a benefit to you, but what if you do not work anymore in the company? Did not you can not predict when you will experience the risks that might occur? What if suddenly you are admitted to the hospital? It may be too late if you just buy the insurance when it is needed to anticipate the pecuniary loss which may arise due to the risk.

Source : Kompas

What is the difference Sharia Insurance with Conventional Insurance

There are some differences between Islamic insurance with conventional insurance, the difference is:

1. According to the contract used

In conventional insurance contract based on sale - buy, while the Islamic insurance contract on the basis of helping.

2. Operational

• In the conventional insurance funds collected from the participants belong to the company, while the Islamic insurance funds collected from customers is a customer-owned. Insurance companies are not the owner just as the manager of the fund.
• In the conventional insurance fund uses interest (usury) as the basis for the calculation of the investment, while in the Islamic insurance based on the profit-sharing investment funds
• In the mechanism, do not recognize Islamic insurance fund as found charred in conventional insurance, if the contract period the participant is unable to continue payment of premiums and want to resign before reversing period, the fund that has been entered can be retrieved
• Payment of claims on Islamic insurance funds were taken from all participants are merit since AWL has been in Relax that there is provision for funds to be used as helping fund among the participants in case of disaster. While in conventional insurance claim payment is taken from the account of company funds.
• Profit sharing in Islamic insurance company is divided among the participants in accordance with the principle of profit sharing with the proportion who have been determined, whereas in conventional insurance all profits belong to the company.

3. Monitoring System

In Islamic insurance have Sharia Supervisory Board, so the insurance operations do not deviate from Islamic sharia, while in conventional insurance no Sharia Supervisory Board.

Three Models Maseratti in the Indian Market

Quarttoporte

Maseratti will sell - at least - three models in India in July-August and make a new manufacturer of premium cars first into the land of Bollywood. Principal Italian car attracted to India due to completing the demand for luxury vehicles is pretty good.

Just like the Ferrari, Maseratti is also looking for local partners to build a marketing network. Not clear if India took Shreyans Group currently markets its products Ferrari. And two brands of Italian-controlled industrial group Fiat will be competing at Volkswagen AG and Bugatti, Lamborghini and Nissan (GT-R).

Grand Turismo

The high interest in premium cars in India due to rapid expansion in the economy, so many "delivery" and millionaire and billionaire. No wonder, such as Daimler AG, BMW AG, Audi AG, Bentley and Jaguar luxury car market brave.

GranCabrio

For information, Daimler last year managed to sell 5819 units, up 80 percent from a year earlier. BMW also follow on fertile market premium class enjoy a successful sell 6246 units (up 73 percent).

For starters, Maseratti started wares in Mumbai (this year) and added another one next year in New Delhi. "We plan to present in seven major cities in India in 2015. There were three models that Quarttoporte Maseratti, Gran Turismo and GranCabrio.

What is Universal Life Insurance?

Universal life insurance was developed in the late 1970s to overcome some weakness related to the whole and term life insurance. As with other types of life insurance, you pay regular premiums to your insurance company, in exchange for the which the insurance company will from pay a specific benefit to your beneficiaries upon your death. Like other types of life insurance, you pay regular premiums to your insurance company, in return for which the insurance company will pay special benefits to your beneficiaries after your death.
 

As with whole life insurance, a portion of EACH payment goes to the insurance company to pay for the pure cost of insurance. As with life insurance, a portion of each payment goes to the insurance company to pay the cost of pure insurance. The remainder is invested in the company's general investment portfolio, with the potential to build cash value. The rest is invested in the company's general investment portfolio, with the potential to build cash value.

Most universal life policies pay a minimum guaranteed rate of return. Most universal life policies pay a minimum guaranteed rate of return. Any returns above the guaranteed minimum vary with the performance of the insurance company's portfolio. Any returns above the guaranteed minimum vary with the performance of insurance company portfolios. The sectoral policy has no control over how these funds are invested; funds are managed by the insurance company's professional portfolio managers. policyholders have no control over how the funds were invested, the funds managed by professional portfolio managers of insurance companies.

However, universal life policies are very flexible. However, universal life policies are very flexible. As the policy owner, you cans vary the frequency and amount of premium payments and Also Decrease or increase of the amount of the insurance to suit changes in your situation. As the owner of the policy, you can vary the frequency and amount of premium payments and also increase or decrease the amount of insurance against changes in accordance with your situation.

For example, if your financial situation improves significantly, you cans increase of your premiums and build up the cash value more rapidly. For example, if your financial situation improves significantly, you can increase your premiums and build cash value faster. On the other hand, if you find yourself under a financial strain, you cans reduce your premiums, or even you May be Able to deduct premium payments from the cash value of the policy. On the other hand, if you find yourself under financial pressure, you can reduce your premium, or you may even reduce premium payments from the cash value policy. Of course, changing the premium or withdrawing part of the cash value in your policy affect the rate at will from the which your cash value accumulates. Of course, changes in premiums or withdraw part of the cash value in your policy will affect the rate at which your cash value accumulates. It May Also reduce the size of the death benefit. It also can reduce the size of death benefit.

Any cash you withdraw from your universal life policy is Considered "base-first." You will not incur a tax liability Until your withdrawals exceed the premiums you've paid into the policy. Each time you withdraw cash from your universal life policy is considered "base-first." You will not be subject to tax liability until your withdrawals exceed the premiums you have paid into the policy. Any That amount exceeds the premiums will from be taxed as ordinary income  "The amount that exceeds the premiums will be taxed as ordinary income"

Growth of Insurance Premiums Down

Growth in general insurance premiums are expected to fall due to global crisis. This is due to decreased customer growth, particularly from the corporate level. As a result, insurance companies must change the distribution and target customers.

This condition is not much different from the growth of insurance premiums nationally. Based on data from the Chairman of the Indonesian General Insurance Association, a national insurance premium growth in 2007 amounted to 13.59 percent, then rose in 2008 to 21.88 percent. In the year 2009,

Effects of corporate crisis also impacted on the growth of insurance premiums. Moreover, most customers come from general insurance company,
Due to the global crisis, the growth of insurance premiums in the period from January to May 2009 only reached 19 percent or lower than the premium growth in the previous year which reached 50 percent.