As the topic above mentioned, I'm only going to mention about LIFE INSURANCE. Not car insurance, not jewellery insurance, not real estate insurance, not even hair insurance. Savvy? So I hope you make the right decision on choosing your own life insurance company.
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| Health Facts of 2014 |
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| Various Factors of Death |
Did you know that 40% death in this world happens because of accidents and sudden health disease such as heart attack? And did you know that most of the death is not covered by insurance? Meaning, you leave the world without even leaving any compensation for your family!
Yes, your family love you. Yes, they pray for you once you go for after life. Yes, money is not everything. But be realistic. What if you are the head of the family? What if you are the only one who's working to support them? What if your children still studying in kindergarten or schools? You know that education is important. You know that education needs MONEY.
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| Don't be selfish. Think of your loved ones... |
It's not about how you take care of your health like a sports-freak or something. SUDDEN DEATH can happens to ANYONE. I always believe the words "Shit Happens" anywhere, any time. But how can you prepare this catastrophe so that your family won't be left with unfortunate once you leave them for afterlife? 1 simple answer: LIFE INSURANCE/TAKAFUL.
For your information, I've seen a lot of insurance policies. Lots of insurance agent that convince me that everything can be covered. Lots of them 'ease' my daily work by asking me to pay the insurance monthly fee to them. What...? Are you serious...? How can I know that they won't run away with my money? How can I be certain that they're not bluffing me about the benefits or how fast they can compensate me if anything happens?
So here's some of my ideas, what I did, and I think what you should do before applying life insurance/takaful:
✔RESEARCH, RESEARCH, RESEARCH
- It's an IT world nowadays. Do some research on insurance company that have strong base, high achievement, good services, highly beneficial. When you start paying insurance fee monthly and it started becoming your commitment, it means that you put your trust for the company to handle your money correctly.
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| Research about insurance companies in your countries |
✔DOWNSIZE YOUR CHOICES
- From 10 insurance companies in your countries, try to downsize it to 5 or 3 companies that you sure have good reviews in the internet or newspapers.
✔TAKE YOUR TIME, DON'T RUSH IT
- You will have new commitment by paying insurance fee monthly/yearly. So make sure you take your time and know what the insurance benefits suit your job and health. And know how it should benefits your family if anything happens to you. This key point is also the same with RESEARCH, RESEARCH, RESEARCH topic.
✔CALL and ASK
- 'Malu bertanya, sesat jalan' (You will lost if you're shy to ask). Once you chose several companies that you most preferred, give each one of them a call and ask general questions about how long they have established, how many agents/staff in their company, who should you meet to discuss/explain more about insurances.
✔SET UP A MEETING
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| Use the meeting as an opportunity to ask as many questions as you want |
Now that you've already know a little bit about the companies that you preferred, set up a meeting with one of their agents. Make sure the meeting is during lunch hour or still in office hour. Preferable method is by inviting your future agent to your office to keep the environment as professional as possible. Make the meeting useful. Ask all the questions that you need to know. Don't leave any single questions out of doubt. The agent must be able to explain to you perfectly about your money flow.
✔BANK-IN FEE DIRECTLY TO INSURANCE COMPANY
- Instead of paying your insurance fee to your agents (who could run away with your money and sipping margarita in Hawaii.ehemm..i've tons of friends who've been cheated like that.D!*k head), why not start paying it directly to the insurance company account? But if you trust your agent 100%, then just go ahead as you prefer. hewhewhew~~~~
✔COMPARE AND MAKE YOUR CHOICE
- You've seen the policies of each company. You've asked them questions. You satisfied with answers. It's time for you to compare and make your choice. Usually this stage is the easiest one because you've already understood each company pros and cons. So choosing the right one should be easy.
✔DON'T BE GREEDY
- Having insurances are good. But too many insurance might increase your commitment. Therefore, don't be greedy. 1 or 2 life insurance/takaful is enough. As for me, I'm comfortable to have only 1 life insurance/takaful that gives me satisfying benefits. *wink*
✔DON'T BE SELFISH
- If you have enough money, get insurance/takaful for your family as well. After all, they are all you got. Try to prioritize parents and babies. I believe the more you do good deeds, the more 'barakah' your life will be.
So I guess that's all I can list the few things that you should do before having life insurance/takaful. As for me, up until now, I'm standing strong with Prudential BSN Takaful. I have no problem with hospital procedure. My medical card can be used ALMOST AT ANY CLINICS linked to Prudential. I have great life insurance/takaful agent who handling my case. Owh and before I forgot, if you have any hesitant or questions of how life insurance/takaful works, maybe you can spend some time and call my insurance agent for details:
EZZUL ERFAN PRUBSN TAKAFUL
+6017 634 0214
or click this link https://www.facebook.com/erfanprubsn/
As usual, please leave comments in the comment box below. Hope to hear from you all soon. Love ya~~~
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