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What do you need to see when looking for the best life insurance? We suggest 3 important features that you must see when choosing the best life insurance.

A few years ago, when we wanted to take life insurance , many offers came. However, at that time, because we didn't have a benchmark yet, we were confused by the variety of features and options offered.

No less than Manulife, Prudential, AIA Financial and Allianz insurance products offered by the sales agent to me. Not to mention the offer also comes from Prudential sharia life insurance and other sharia insurance providers.

Apparently, choosing insurance is not an easy matter.

Learning from that experience, I did research to find traits that determine whether or not life insurance is good.

The result is we found 3 important features that must be seen when choosing life insurance.

The 3 Best Life Insurance Things
What should you pay attention to when looking for the best life insurance? Where is the best life insurance for Manulife, Prudential or Allianz or others.

What is the comparison of Allianz vs Prudential insurance, for example, or Manulife vs Prudential. That can be answered after you know what to look for when choosing insurance.

By knowing what to see, you can better evaluate insurance proposal offers when faced with offers from insurance salespeople.

We have all experienced how aggressive insurance salespeople are when offering their products. Without sufficient understanding of the best life insurance, you will find it difficult to make the right decision for your needs.

# 1 Big Sum Insured
What is the purpose of you taking insurance? Let's get to the basics .

Why do we take life insurance? What are the benefits?

Providing financial protection to the family if the head of the family experiences death or permanent disability which causes it to be unable to work and earn a living.

That is, the protection provided must be adequate. Must be enough.

If the cost of living a family is currently Rp. 10 million a month, you cannot buy life insurance with a protection value of 100 million. That's far from enough.

Therefore, the first important feature is that life insurance must provide adequate coverage. Sufficient amount of money to support the family properly.

The problem that often obscures many prospective customers is to mix the need for life protection and the desire to return premiums.

In fact, these two things cannot be run simultaneously, because one of them will defeat the other.

I mean, if you are looking for a high UP, the premium will expire, otherwise if the premium is to be reversed then the UP will be small. So, you have to choose, want to UP or refund premiums, you can't both.

My advice, come back again because the goal is protection, the value of UP should be the main focus.

# 2 Cheap Life Insurance Premium
Many reasoned that they did not have insurance because premiums were expensive. In our opinion, this is not necessary.

You can get affordable life insurance premiums, as long as you can choose the right product. Mistakes in choosing a product causes premiums to be expensive.

What insurance products are cheap premiums?

Term Life Life Insurance or also called traditional life insurance. This type of life insurance has no investment element. This is traditional life insurance whose premiums are forfeited.

Term Life is the type of insurance with the cheapest premiums. At present, term life insurance receives a monthly premium starting from Rp. 500 thousand.

I say cheap, meaning compared to the value of the sum assured.

Why can the premium be that cheap?

Simple, because no premium is used for investment. All money is used to pay for insurance costs.

To be honest, cheap premiums are often at odds with the interests of agents. Agent commission is paid from the amount of premium, the bigger the commission.

Therefore, it is important for prospective insurance customers to look for a 2nd opinion outside the agent before deciding to buy insurance.

Also read: 6 Ways to Get Cheap and Good Premium Life Insurance

# 3 Family Health Insurance
Insurance company innovation is making products in one package. The goal is to provide premiums that are more affordable with more comprehensive benefits.

One of them is life insurance combined with family health insurance.

In this product, you can get life protection while replacing money if family members are hospitalized.

Not many insurance companies offer family life and health insurance in one package. But, I have read there are companies that offer these packages.

Try asking the agent whether they have a family insurance package for life and health. It will be cheaper for you and your family.

Conclusion
The best and most trusted life insurance is important in family financial planning. Because it provides financial protection against the risk of death to the family.

Hopefully the notes we convey above can be a guide when melting the best and most trusted life insurance. Don't be afraid of expensive insurance premiums because premiums don't need to be expensive. There are many ways to get affordable life insurance premiums.

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