Finance And Insurance
In life insurance the insured is caused by death ( death ) . The death resulted in a loss of income of a person or a particular family . Risks that may arise in the life insurance mainly lies in the element of time (time ) , therefore it is difficult to know when someone dies . To minimize these risks should be insured life insurance clients .
What is a life insurance ?
Definition of life insurance is insurance that is intended to bear the financial losses caused by the unexpected death of his life too fast or too long . Here illustrated that in life insurance , risks are :
1 . Risk of death .
2 . Instead it for too long .
It is , of course, will bring many aspects , if the risks inherent in a person not insured by life insurance companies .
Eg guarantee to offspring ( dependents ) , a father that died prematurely or with a sudden , the child will not be neglected in his life .
It could also happen to a person who has attained the age of ketuaannya ( old age ) and was not able to make a living and is unable to pay for their children , then to become customers at Allianz life insurance risks that may be suffered in terms of lost opportunities to earn a living will be borne by insurance companies .
Institutions have a life insurance boondoggle with the primary objective is to underwrite or insure a person against financial losses . Below we can see how important the role and purpose of the life insurance .
1 . Terms of the general public ( social )
Life insurance can provide certain benefits to the individual or society , is as follows .
Reassuring head of the family ( husband / father ) , in the sense of giving a guarantee of income , education , if the head of the affected family that causes death .
By purchasing a life insurance policy can be used as a tool for saving ( saving ) . In general, the per capita income of the people is still very low , therefore , in practice it appears that people's desire to buy a little insurance .
As a source of income (earning power ) .
It can take a look at the countries that have been developed , one which is the " key " in the company will be insured by the company where he works . This needs to be done given the importance of the position he held . More or less will affect the life of the company 's going concern ( is running ) . For example, an expert on atomic / nuclear will be insured his soul when he died or ill , the company is obliged to pay compensation . These examples do not we met in Indonesia , because our country is not so advanced in the industry when compared to western countries .
The purpose of life insurance is to ensure treatment and warrant to suppose that insure offspring can not afford to educate their children ( scholarship / education ) . That many of us encounter in practice is , coverage for the risk of death , while the rest of the coverage is not so advanced rapidly .
2 . Terms of government / public .
Life insurance companies in our great country of operation , generally belongs to the government . Here we connect with government regulations , namely the Law. 19/1960 regarding the division between state enterprises . Distribution activities as listed in the following sectors .
a. Production sector ( state industrial enterprises , state plantation companies , and state mining company ) .
b . Marketing sector ( commercial company ) .
c . Sector provision of facilities ( state insurance companies , state banks and other state -owned utility company ) .
It can be concluded here that the insurance company is a financial institution that provides financing facilities to be used in the stage of economic development of Indonesia. Based on Law no. 19/1960 , it contributed to the economic development of the insurance agencies are :
As a means of capital formation ( capital formation ) .
Savings institutions ( savings ) .
So it can be said that the purpose of insurance companies is to help build a national economy per life insurance in accordance with the Five-Year Plan , with emphasis on the needs of the people and peace and joy in the company's work towards a just and prosperous society materially and spiritually .
Powered by Blogger.
0 comments:
Post a Comment
Note: Only a member of this blog may post a comment.