WHAT ARE THE SOULS OF INSURANCE PRODUCTS PRESENT

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Many types of life insurance products offered by life insurance companies, which is basically a combined Endowment Insurance with Term Life Insurance and Whole Life Insurance. For example, Endowment Insurance with death benefits of two times or greater than the benefits due.

There is also a life insurance product that provides death benefits in the form of sum assured plus all Visit more >>> http://jonnyjinny10.blogspot.com/
the premiums paid. Premium refund given if insured dies at any time, is a product of Whole Life Insurance. Endowment Insurance products in which payment of insurance benefits provided by either an annual or monthly periodical called Anticipation of potential future Endowment. 

Huge benefit given periodically be varied eg by increasing every year by 2%, 5%, 10% or more. Other types of Endowment Insurance products are often found in the market, such as:

• Scholarship Fund. This product is Endowment Insurance products are associated with school fees, usually known by the name of Insurance Scholarship, School Fee, and others. 
• Gradual Fund. This product is also shaped exactly Endowment Insurance Pure Insurance Endowment, where if the insured is alive at the end of given year during the insurance period, insurance benefits will be paid certain percentage of sum assured.

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Introduction to Insurance Products

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The rise of unit-linked insurance business today marks a shift in market penetration of life insurance from life insurance products to traditional life insurance products that promised a modern investment returns as well as better able to contribute to significant premium growth.
It is also not free from the influence that consumers have started to rationally define and decide what 

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kind of products they want to buy insurance. The above statement is not an exaggeration aimed at a mechanism to decide what product to buy and why should these products to be purchased.

Life insurance business is a service business, where the form is not a product produced in the form of goods but services and activities are abstract or "intangible". Services sold was a guarantee of protection for consumers (clients), relating to the life and the life within a certain period or for life. That is what is meant by the terms "life assurance", which should not be taken literally ie "life assurance", but "guarantees relating to life", wherein the related amount of money and time.

Guarantees in life insurance ranged from less than one year to lifetime, and the deposit will be exhausted gradually consumed in line with the passage of time. In it contained a promise of security from life insurance companies to provide compensation in the form of a sum of money if the insured is experiencing such events: death, disability, illness and reach old age. Guarantees are implicitly gives an assurance to its customers on problems uncertainty about lost revenues due to the occurrence of these events.

In this first article will discuss several types of life insurance products marketed by life insurance companies in Indonesia and also recognize the benefits offered by any of these products are life insurance. Life insurance products offered on the market basically consists of three forms, namely Term Insurance, Whole Life Insurance and Endowment Insurance, where these products are categorized as traditional products. While life insurance products traditionally developed by attaching the instrument-the instrument of investment in it and the transparency of both the consolidated statement of costs and benefits that the insured will be obtained later, is categorized as a modern insurance products, such as unit-linked insurance products.

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PRODUK ASURANSI JIWA YANG DIPASARKAN

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Banyak jenis produk asuransi jiwa yang ditawarkan oleh perusahaan asuransi jiwa, dimana pada dasarnya merupakan Endowment Insurance yang dikombinasikan dengan Term Life Insurance dan Whole Life Insurance. 

Misalnya, Endowment Insurance dengan manfaat meninggal dunia 2 kali atau lebih besar dari manfaat jatuh tempo. Ada juga produk asuransi jiwa yang memberikan santunan meninggal berupa 

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uang pertanggungan ditambah semua premi yang telah dibayar. Pengembalian premi diberikan apabila tertanggung meninggal dunia kapan saja, ini merupakan produk Whole Life Insurance. 

Produk Endowment Insurance dimana pembayaran manfaat asuransi diberikan secara berkala baik tahunan maupun bulanan disebut Anticipated Endowment. Besar manfaat yang diberikan secara berkala dibuat bervariasi misalnya dengan kenaikkan setiap tahun sebesar 2%, 5%, 10% atau lebih. Jenis lain produk Endowment Insurance yang sering dijumpai di pasar, diantaranya adalah: 

• Dana Beasiswa. Produk ini merupakan produk Endowment Insurance yang dikaitkan dengan biaya sekolah, biasanya dikenal dengan nama Asuransi Bea Siswa, School Fee dan lain-lain. 
• Dana Bertahap. Produk ini juga berbentuk Endowment Insurance tepatnya Pure Endowment Insurance, dimana jika tertanggung hidup pada akhir tahun tertentu selama masa asuransi, manfaat asuransi akan dibayarkan sebesar persentase tertentu dari uang pertanggungan.

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SALAM ASURANSI DARI JONNY JINNY,