Tips : How to Choose a Vehicle Insurance

Choosing a car insurance is not easy. Especially in the midst of fierce competition nowadays. Almost all insurance companies have a product car insurance. Stay prospective customers to choose which ones deserve to take. Therefore below we present some criteria so as not to incorrectly selected:

1. Prospective customers do not dwell on the cheap premium rates. Because, in today's competition, many insurance companies slam prices, offers cheap premium rates. Though not necessarily any guarantee of service.
2. See the insurance package offered. For example, extensive warranties to how much. Therefore, extensive warranties should be adjusted with the desire and ability to prospective customers.
3. See also the network of insurance companies concerned. For example, how many have a branch office or how many partners have a garage, so once someone claims not to wait long to fix the vehicle or vehicles reported missing.
4. Can be asked in advance convenience, facility or what added value can be obtained when buying the policy in the company. For example, if there is a tow truck, a replacement car or hotline services, mechanic services, ambulances and so forth. And, last but not least is easy to make changes and the facility in question.
5. Consider also bonafides insurance company. Do not get so there is a claim, the partners did not have a garage. Therefore, many insurance companies claim they are the best. Though its financial condition was very severe.

In addition to the above, there are several factors that should be considered in the process of selecting an insurance company included in choosing the product. Things to remember that in choosing a private insurance company, then that should be considered in general are three factors.

First, the financial strength (security). Second, the service (service). And third, cost or expense. Financial strength of insurance related to the company's financial ability to fulfill its promise if the situation requires. It is important to know, because not a few insurance companies are looking beyond it classy. For example storey buildings, vehicles that good directors. But when there claims of customers, the company can not pay.

In assessing the financial strength of these there are some benchmarks that need attention.

• Assets and liabilities. This can be seen from the consolidated balance sheet is published in the newspaper. See also, whether planted in the current investments or long-term. In terms of liability (ability to pay off liabilities) will look at the balance sheet, how the debts on the reinsurer, how he fulfilled his obligation to pay claims, and so forth. Indicators of net liabilities include equity (own capital) divided by net premiums `` (net premiums) of at least 50%. Capital is divided into `` gross premiums (gross premiums) of at least 20%. Limit the level of solvency, which looks from its own capital divided by net premiums of at least 10% and investment funds technical reserves divided by at least 100%.

• Underwriting Policy. On the balance sheet and annual report will be seen that the insurance is still a profit, or profit growth. This means underwiting policy was good.

• Underwriters him. Insurance has personnel qualified or not. It is known from the profile companies that includes the underwriters him.

Service (service) is the extent to which the mirror of human resources at the company's qualified or not. Moreover, insurance companies are selling a service, so excellent service is the key. For example, the extent to which the speed of service in both the policy issue especially in the payment of compensation or claim.

Also, about the service can actually be felt by the customer. Is this insurance company was absolutely the best services for its customers.

In this connection should also be questioned, whether the insurance company mereasuransikan on a first-class reinsurance security. This can be seen from its annual report. It is important to note, because if the company is not in the back-up by reinsurance, the company is likely to be speculative in receiving the premiums.

The problem is how much the cost of expenses incurred by insurance companies in operation. If it is greater than the cost of entry, then obviously the company is not efficient. If it's not efficient, so the edges will incur a loss. And, if you continually lose, definitely not healthy.

In this connection could also be price premiums. Compare the price of insurance premiums the same with other insurance. Where the quality is really good.

Today the government has set a benchmark of health insurance (not the only one) is through mekanime RBC (Risk Base Caital). If the number is large RBC, this means the company is valued in good condition. But we should not be fixated solely with RBC numbers. Therefore, large companies can also occur which are conducting a major expansion such as opening more branches, then his numbers will surely RBC small.

Conversely, there is a small insurance company but never to expand, the number of RBC was probably much greater.

Thus, RBC numbers can not be used as the only measure, whether the insurance company is healthy or not.

In this case who is also noteworthy is the performance of the company within two or three years. How big profits every year, how much gross premiums they receive each year, how much additional capital and assets every year.

And, equally important is how the company's management behavior over the years. Is there a management company for this broken promise? Has this company experienced in default management and so forth.

Life insurance protects customers or Economic Value (?)

I've listened to the opinion of some people about life. Some say: "Life is God's business. Insuring our souls means precede the will of God. "

So to speak. And the fact is, indeed, quite a lot of people who are allergic to hear the word 'insurance'. Funny thing is, those who are allergic to this life insurance did not hesitate to insure a car, motorcycle or houses they have.


Hence, it is not surprising if the majority of vehicle owners to protect the economic value of the vehicle with insurance, while only about 3% only Indonesian who consciously protect themselves with the economic value of life insurance.




Actually, life insurance not to protect our souls. But rather to protect the economic value of ourselves. For example, if today we are able to provide 5 million dollars every month for our family a decent living, then life insurance helps us to ensure that the economic life of our family with 5 million expenditure could be kept awake, 'even if' something happens that causes us no longer able to generate money. We do not expect 'something' was happening.

But who can ensure the future?

Therefore, try to ponder: If the economic value of a car or a house we just protected, why do we not protect the economic value ourselves? Does your car or home is more precious than ourselves?

If our employees, try to check whether the company where we worked has been providing life insurance for us. Companies both of which usually provides life insurance for his employees. But there are 2 things we need to do:

First, ask your human resources department, whether the insurance provided is only valid as long as we work at the company, or it could proceed alone if we stop working.

In general, if employees resign or retire, then life insurance will automatically be disconnected. Therefore, consideration should be to buy their own insurance. Unless we plan to continue working as a professional.

However, consideration should be too, if we retire, whether that protection can be taken away as a retirement package or not.

Second, if the company has been providing life insurance that we can manage themselves (can be taken away and resumed his own), then maybe it's time to do financial planning or school fees of children in the future.

Indeed there are people who prefer to save every month in the bank, and not taken-take. No matter if we can be disciplined way. But if not, maybe insurance education can be a way out.

In addition, education has the advantage of insurance protection side, which is not owned by a savings education.

The principle is: if there is 'something' in us, then our children still get the education funding guarantee in accordance with what we planned.

Although we are not interested in buying an insurance policy, we need not hesitate to consult with insurance agents. There is no harm if we understand the mechanism of this model of financial planning.

At least, we can compare them with financial planning strategies that currently we run. Although we do not buy insurance policies from them, they are usually happy to help us to design our long-term financial plan. That is, we can get a free consultation about our financial planning. Not bad right?

Currently many insurance combined with investment. So, you will get the benefit of protection, while viewing the portion of the money you paid as savings or investment that continues to grow and develop.

The Reason Life Insurance does not pay Claims

The reason life insurance does not pay claims

Feeling cheated by the insurance company because of your claim is denied? This article was created for customers and prospective customers know what can make your claim is denied and the avoidance of losses on the part of customers

Generally, the denial of insurance claims in because 






1. Dishonesty customer.

Many people realize the importance of insurance when already in jangkiti serious diseases such as cancer, heart disease, etc.. When customers fill up with honest SPAJ (Application for Life Insurance), a disease that is in misery, is certain to be rejected because the insurance company is not a charity.

If the customer claims due to accidents or other issues outside of his illness is, of course, a lie will not be revealed, but when there is a claim (illness / death) because the disease is, of course lie will be uncovered and the insurance company may refuse payment of claims.

2. Dishonesty agent.

Many agents simply chasing sales targets and commissions, so they are reluctant to describe at length about the products on offer, apart from being able to make the sales cycle becomes longer, too risky to buy off potential customers.

Even in some cases, agentlah that encourages customers to be dishonest. I have experienced myself when getting the prospective customer has a doctor diagnosed a fatal disease. Prospective customers have been rejected by some insurance companies, and only 1 company that received because agentnya advise not to include the diagnosis.

Dishonesty agent can also be in the form of promising something that is not listed in the policy. That's why customers should take the time to read policies and match them with the words of the seller agent. If there is not in the know, try to ask the seller agent. If the negative attitude so that you do not even try to understand the contents of the policy, then you need to question the motivation of these agents.

3. Because the exclusion in the policy

Many agents (which honestly though) negligent in explaining pengecualian2 contained in the policy. Described or not by the agent, read or not by customers, the exception remains valid, meaning that if your claim included in the exceptions, then do not be angry if your claim is denied. For those of you who already have an insurance policy, read and understand the existing pengecualian2 now, so you are not disappointed later.

4. Because insurance companies are not bona fide

Life insurance is a long-term contracts, in many cases, new claims came after many years as a customer. Therefore, choose a company that is trusted, and to facilitate you, every year as investors and InfoBank magazine published the rating of the insurer. Although the rating is not a guarantee, but at least help you to make decisions.

18 Most Expensive Celebrity Insurance

There is nothing wrong if we insure our best asset. 

For the celebrities, who have more money, they will do anything to keep their assets. 

So there is nothing wrong if they insure their assets to millions of dollars. 

Here is a list of 18 celebrities who insure their assets up to millions of dollars, and please do not laugh just because they insure his chest hair :)

Mary Hart's Legs : $1,000,000

Gene Simmons’ tongue : $1,000,000

David Lee Roth's Sperm : $1,000,000

Betty Grable's leg : $1,000,000

Angelina Jolie's body : $1,000,000

Marlene Dietrich's voice : $1,000,000

Kieth Richards middle finger : $1,600,000

Heidi Klum’s legs : $2,200,000 (one leg insured for $1,000,000 and the other is insured for $1,200,000 because of a scar on the less expensive leg.)

Tina Turner's legs : $3,200,000

Bruce Springsteen’s voice : $6,000,000

Rod Stewarts voice : $6,000,000

Tom Jones' Chest Hair : $7,000,000

Ken Dodd's teeth : $7,400,000

America Ferrera’s smile :  $10,000,000

Jennifer Lopez’s bottom : $27,000,000

Michael Flatley’s legs : $47,000,000

David Beckham’s legs : $70,000,000

and the winner is ...

Mariah Carey's Legs : $1,000,000,000

GoDaddy CEO criticized for Kill Elephant

WASHINGTON - One of the leading hosting providers in the U.S., GoDaddy, re-create controversy. This time it was done solely by the boss GoDaddy CEO Bob Parsons. He proudly announced it had killed an elephant during the visit to Zimbabwe.

Sadistic acts he recorded it without feeling guilty at all and proudly photographed himself while holding a rifle in front of an elephant which died down. In fact, elephants, including one of the rare animals are protected.

In addition, he felt proud because it can help people cope with Zimbabwe due to pests in the fields and provide the nutritional needs of beef. In the video it was described that the elephant becomes destructive fields of the farmers there. After the shot, some people wore hats that read GoDaddy scramble to take fresh meat.

The video will then come under fire from many quarters. In fact, this is to enter trending topics on Twitter. Bob Parsons may also be facing a lawsuit over his actions.

One lawsuit was enough to come from PETA, one of the NGOs that fight for animal rights. PETA has suspended service web hosting at GoDaddy and ask anyone to follow the boycott. Action Bob Parsons GoDaddy also considered libelous.

The situation is apparently directly utilized Name Cheap a competitor. The company is a direct offer transfer service for users of GoDaddy and ready to set aside 20 percent of the cost of subscriptions for the protection of elephants through Save The Elephants.

In fact, the actions undertaken controversial GoDaddy is not the first. GoDaddy girl one of them. Several times, the material GoDaddy ad was also rejected for broadcast because it is considered too vulgar.

The Best Life Insurance

Life insurance is one important requirement related to financial planning. In recent years, unit-linked products including life insurance category is increasingly growing and provides many offerings. We recommend that you carefully before an investment that also have this protection.

Choose products that provide space for customers to adapt to the needs and abilities. There is an enticing product, because only by setting aside 10 thousand dollars per day, you can pay a premium for protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.

For example, changing the benefits of investment, in this case increase, reduce or even eliminate the benefits of protection, adjusted for the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed benefits.

To ensure the product is safe, thorough financial institutions also publisher of the product. This can be seen from the professionalism of insurance agents. Just ask, if the agent has a certification from the Life Insurance Association of Indonesia (AAJI) for example. It could also recognize the company's performance by measuring against the insurance industry recognition. The award of a number of economic media company's performance and even recognition of the world should be a consideration.

We recommend that you select the insurance product by first discussing in detail the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell"products.

Beware, "Liza Moon" virus can Drain Your Credit Cards

A computer virus is currently spreading massively infect hundreds of thousands of web site addresses worldwide. Be careful with the spread of a virus called "Liza Moon"is because it can drain your credit card.

Liza Moon does not directly endanger the victim's computer. Trick the victim with the virus seems to provide assistance antivirus. It will show any threat information that is on victim's computer and offered to help overcome them. However, when clicked, the victim must pay first with a credit card.

"Fraud using a very traditional antivirus scam," said Patrick Runald, digital security researchers from Websense as reported by eWEEK. He said, on March 31, 2011, the virus that is spread by SQL injection technique that has infected more than 500,000 web site addresses. This is the most rapid spread of scam on the web in a few years since the attacks of the same in 2008 and 2009.

Websense has been monitoring the spread of the virus since March 29, 2011 because of its spread is massive. When first detected, there are 28,000 newly infected web site address, but the number had grown enormously from day to day through the site using the CMS and the web version of the old machine. Infected websites will bring visitors to a web page notifying you that the sites visited contained malware and links to download fake antivirus.