Auto Financial Advertising

You want to buy the insurance policy? Do not rush. There are several things to consider when determining what insurance products would you use, either for yourself or for your employer. These tips can help you.

1. Separate items / objects according to the calculation of economic
Choose items that really needs to be insured so you have nothing to lose. For example, if you intend to take fire insurance for your home and household furniture, then you do not need to enter the computer and all its accessories into the calculation. Why? Because the recovery value for the computer company is very low when compared to the current value of the computer or at the time of purchase will be insured. Another example, you would take the insurance of motor vehicles (cars) the company's assets. If the cars to be insured are aged over 10 years, the economic cost of the insurance premiums will be greater. Another case if the company can set up his / her own self-insurance vehicle assets.

2. Identify items / objects clearly
We recommend that you first identify the goods / objects to be insured. For example, the Toyota Corolla sedan in 1998. At the company, such as a garment factory and its machinery, generators and other equipment associated with the activity of the plant.

3. Choose an insurance company with a good reputation
Do not be fooled by insurance companies that provide premium rate (the amount paid for a unit of protection provided) is low or high premium pieces. If you do, can-can the insurance company can not settle a claim payment when you make a claim against them.

4. Give information clearly
Provide information about the object clearly will you insured to the insurer / insurance broker. Instead, ask for more information as the insurance products they offer. You can ask about the type of insurance, extensive warranties, rate premiums, deductibles (the amount of fees that you will pay before the insurance began paying compensation), discount or claim procedures.

5. Ask your insurance coverage (insurance coverage) is best
You should seek the broadest insurance bail before the insurance company issuing the insurance policy.
For example, for fire insurance Fire Insurance you can ask RSMD + + 4.1.A or 4.1.B earthquake (earthquake) + flood (flood). Property insurance for buildings, you can ask property cover all risks (PAR). If you want to insure a motor vehicle, ask your auto insurance covers all risks RSMD + 4.1.A, etc..

6. Choose a package of insurance products
Instead of just choosing one insurance product, it is advisable to choose one package at a time. That way you will get discount facilities and better service. For example, the purchase of home insurance (fire insurance) following cars (Car Insurance) and personal accident for the family members.

7. Ask the system "First Loss Insurance"
Especially for objects that have a value / number of very large, for example in the Rp100 billion, have the system of "first loss insurance" to the insurance so the premium you pay is not too big.

8. Ask the system "Adjustable Policy"
Value / amount of insurance stock merchandise typically exhibit different volume every day or every month. To fix this, you can ask the system "adjustable policy". With this system you will pay according to the volume / transaction really have done.

9. Read, thorough and asked
Carefully read and examine the content of the policy statement and its articles. Ask about the procedures that will claim you did before approving the issuance of insurance policies.
If there are errors in writing, whether the object of insurance or other information, immediately notify the insurer / insurance broker. They will soon issue a written improvement in the policy.

Once you have approved the issuance of the policy in question, have an original and a duplicate policy, complete with receipts as a sign of ownership and payment of insurance premiums

Hai now i want sharing about insurance motivation : There are 8 human needs related to finance (8 keys financial needs), among others:

1. Business Development (Business)
2. Cruises, Recreation
3. Education
4. Savings
5. Development of Assets
6. Health
7. Pension
8. Legacy

According to you, from the 8 needs above the needs anywhere you need? Is there anything you do not need, or do you need them?

If you ask me, the answer is "I NEED EVERYTHING!"

And I think, in your conscience definite answer with my answer, you need all of them, Right?

Now, let us suppose for a moment. Imagine in our lives, what will happen some time in the future. No one knows even one minute to the next-even we do not know what will happen. If we are exposed to risk (critical illness, permanent disability due to accident / illness, or death) is no guarantee of the eight requirements above will still exist for a wife / husband and our children?

Well, maybe I'm on the supposition is too heavy for you. I simplify it this way, would you drive a car from Surabaya to Jakarta without spare tires supplied. Or do you cross by boat Ferry boat with no life jacket or on the deck. If I give you a solution to buy a spare tire or a float without reducing investment, would you listen to the explanation I?

Well what do you think about the motivation of this insurance?

Business World is always close to the possible risk of experiencing conditions of uncertainty, could now become a booming business in one day can easily be hit by a disaster or serious problems that will force it to declare bankruptcy. When the conditions are never sure that the operation will continue to run to stay successful as time passes and more threats to the industry are posted. This condition is why it is important that an entrepreneur needs to prepare for unforeseen circumstances.

Insurance business is a good, nice, and a place to prepare for events that may be harmful to various risks. Moreover, the insurance business deals are so varied and abundant today. Thus, you'll be offered great deals. But choose for the insurance business is not an easy task, it needs a lot of information and decide wisely.

By taking the right decisions that an entrepreneur has given assurance of protection to business, here are some tips and tricks that are often used as a benchmark for a businessman in choosing protection insurance business, are as follows.

 1.   Compare prices and coverage packages. Insurance is not something you can easily choose from the display window. You should carefully analyze the packages offered to.
 2.   Making sure that you will get the best service possible at value for your money. This is why you are encouraged to study and compare first with each other all the quotes from insurance companies before making your decision.
 3.   Select a service package, not a separate insurance quote. The prices are definitely lower than offer separate bid packages. With a package deal that requires less money, you can get more insurance coverage for dual state that would include nearly all unforeseen difficulties that may be experienced by your firm.
 4.   Consult the experts. It is very much recommended action, especially if you are not experienced with the workings of the insurance claim. You can search for insurance consultants and brokers who know a lot about the trade. Learn from them, and understand how you can get what you need without the risk of its own.
 5.   Assessing the external environment, especially aspects that you can not control like the economy and nature. You can learn about the state of your business operations so that it's easier to imagine the insurance claim with the changing times. If possible, you may be wondering about the trends of the business industry you are in. Once you have a good understanding of what is happening and predicted fear of future business, you have no trouble choosing insurance quote.

So some tips to consider in selecting and ensuring that insurers with whom a business entrepreneur will be able to provide good protection, and good, make sure to choose a quality insurance with insurance company partners who already have a good operating history and a competent and reliable in insurance

Insurance What The Mean?

Insurance does not always equal investment from which a person can get his money back. It's not gambling. A gambler to take risks, while insurance offers protection against the risks that exist. Insurance is a way to share the risk with others.


Origins of Insurance

Insurance has been around for thousands of years. A form of credit insurance contained in the Code of Hammurabi, a collection of Babylonian laws that supposedly existed before the Law of Moses. To finance trading expeditions in the past, the ship owners obtain loans from investors. If a ship is damaged on the way, the owner is not responsible for paying back the loan. Because many ships safely home, interest paid by a shipowner sufficient to cover the risk of the borrower.

Similarly, in one of the world maritim most reputable insurance providers, Lloyd's of London, was born. In 1688, Edward Lloyd ran a cafe where the London merchants and bankers meet in a relaxed atmosphere for business. In this place that offers investors an insurance contract to write the names of the sailors sailors under a number of risks which they agreed to pay a sum of money, known as the premium. The guarantor is known in English by the term underwriter. Finally, in 1769, Lloyd's became the guarantor of a group that is growing to be a market leader in insurance underwriting risk shipping.


Today The Insurance

Today, when people buy insurance, they still share the risk. Modern insurance companies study the statistics that show the frequency of loss-for example, fire-workshop to predict what losses are likely to be suffered by their clients in the future. Insurance companies use the funds paid by many clients to compensate clients who suffered losses.

Do you need insurance? If so, what kind of insurance is right for your situation? And, whether you have insurance or not, what preventive measures can help you deal with the risks in life?

"" Insurance is easy entry of, but his insurance claims is difficult "," I pay a premium over the past two years, so the claims do not get paid, "or" Gee, I want to claim, but it is complicated, passed here and there. "Maybe that's a small part that is your minds, so you do not want to take an insurance policy.

Actually claim a right earned by each customer insurance. And of course the insurance company will pay the claim, when its liabilities of the customer fulfilled. Let us consider the mechanism of Claims, Claims that you'll get paid. And of course you are still antipathy / deny insurance so open-minded, so as immediately have the insurance policy.

The purpose of the claim is to provide benefits in accordance with the provisions of your policy. In order for claims to be processed and paid, note various important provisions regarding the filing of claims.

Before submitting a claim, make sure you have the appropriate benefits to those listed in your policy. Example: You only have life insurance only, it automatically if you file a claim hospitalization, certainly the insurance company not will pay the claim. So check and go back the insurance benefits you have taken, make sure you have insurance that will benefit you claim.

You must make sure, too, that your policy is still in a state of inforce / valid / active. So that you are always in a state policy inforce, make sure you make a payment / transaction on a regular basis (especially in the first two years, not until there is a hole).

Make sure also, Polis is not in the waiting period. That waiting period is a time of coming into force of your insurance coverage. Example: for the protection of hospitalization due to illness, such as diarrhea, dengue fever, urinary tract infections, typhoid, etc.. Waiting period is 30 days from the receipt of the insurance customers. Remember also that the requirement for a claim usually must be hospitalized, could be at least 1 x 24 minutes or 2 x 24 hours.

For those of you who use the card, immediately Number to the number listed on the card, so that the process is faster, or immediately contact your insurance agent. Definitely will help.

If you've ever policy lapse, make sure when submitting a claim, your policy is not in the waiting period and experiencing certain exceptions.

Make sure, too, claim that you're proposing is not an exception contained in the Policy. Example: You've had kidney stone surgery, well when you apply a policy, you are told to medical. And apparently the result medicalnya not good, so for the pain because of kidney stones are not covered. So if you make a claim because of kidney stones, auto insurance companies will not pay.

Well, after the above provisions fulfilled, the claim you filed MUST EQUIPPED with all the requirements and the required supporting documents.

So before the claim is made, check the criteria claim to be filed or contact your agent for help or you can consultant to MyClaimSource.com. After ensuring the above match, then as soon as possible to make a claim (claim submission), as it will speed up the claim process.

These General Stages of Claims Processing :
1) Claim Form completed by Insured / Participant / Policy Holder / Heirs (claims for death), to include a certificate from the doctor.

2) Insured / Participant / Policy Holder / Heirs submit documents supporting the claim to the insurance company, such as receipts, results of medical records, lab results, police report (if the claim for an accident), and other required documents.

3) Include Policy Number and Account Number with your right, and Signed Claim corresponding signatures that exist within the policy, include a self-identity as well (Photo ID Card Copy / Driving License / Passport). So make sure you have included Policy Number and Account Number Policyholder a clear, complete and correct.

4) Insurance Company will do validation and verification of the supporting documents to the Policyholder / Insured / Heirs and the doctor or hospital if necessary.

5) If the results of the validation and verification by the insurance company are in accordance with the regulations, the payment of claims will be processed by the claims.

6) Insurance benefits will be paid / transferred to the Policyholder / Insured / Participant / Expert Waris.Value Of Trust

By looking at the provisions above, the claim is no longer a complicated issue, the claim is a simple problem. Insurance company will pay your claim. So, make sure you have the insurance policy as a sign and love to the family, wife, husband, and the fruit of your heart. And make sure you choose the Right INSURANCE AGENTS, besides the Right Company. or if you feel less confident with any information you can check the claims and consulting on MyClaimSource.com - information on filing claims online.

WHETHER known general insurance in your area or not, there is a type of insurance which everyone can and should get. Since the "insurance" can mean "a means to guarantee protection or security", how you can obtain such protection?

You can do this by taking practical steps to reduce the potential risk. especially in the field of business you reduce all forms is a major risk, particularly the risk of making losses or bankruptcy.

In this imperfect world, insurance can be a very useful tool, but there is no insurance policy that can fully protect or replace the losses we suffered. However, whether the insurance is available to them or not, there are people who believe that they will never be left alone. Why? Because, when disaster strikes, there is a third party to protect. Unavailability of adequate insurance for your business is a mistake because a disaster can shut down your company for ever, or at least destroy all of your assets

There are several things that make a company or individual is hampered to take out insurance for his business.

1. Thought Disadvantaged Pay.
Because many people to believe wrongly that they could not pay the insurance premiums. In fact, if the asset is considered very able to pay their insurance premiums, this assumption must be abandoned for the convenience of doing business in the future.

2. Lack of Knowledge About Business Insurance
In this era in some countries there are still many that have not penetrated the insurance business fields for so many entrepreneurs do not understand the importance of insurance for their business, That's also why many landlords, suppliers, and any other entity related to your business may require you to have insurance . Contact your insurance agent to find out about insurance for businesses, each agent would be happy to help give a presentation to your knowledge,

3. Never a bad experience with private insurance
Every person if ever had a bad experience will surely be taken and influence their environment, as well as insurance if someone has never had a bad experience in the insurance, then the bigger the person is no longer believed to will a good product for the areas of business insurance. There are some things that cause people to have a bad experience against insurance are:
- Never be fooled insurance agent
- Poor experience with the Claims
- Complicated process in which insurance companies sometimes annoying
- Misunderstandings with are taken Insurance Package

The example above is some of the complaints that are often issued to a person does not take insurance but if we want to try a little we can obtain accurate and reliable information from the following sources:

- Regions or cities officials
- Branch offices of local industry associations
- State insurance office

An insurance agent is usually tied to a particular insurance company. A broker or independent agent, to negotiate with various insurance companies to obtain the best insurance for a certain price. Both need to maintain good relationships with clients in order to stay in business. If an insurance agent can be trusted and attentive, he can be a big help for his clients.

First, a good agent or broker can help clients to choose the appropriate guarantees from the list of insurance choices seem endless. He will also explain the details of the policy to the client. As many people know, the famous insurance tricky. A president of an insurance company admitted that he did not understand the parts of the policyholder ownership of her own!

Explanation of an agent can help clients to avoid surprises are not pleasant. For example, most property insurance policies and health have not full protection. This is a set amount that the insured must pay-for instance, for vehicle repair or medical bill-before the insurance company pays its share of the claim. Agents can also be a conection with the insurance company if the client has difficulty in obtaining payment.

So choose a reliable insurance agent and can be trusted, and if possible find someone you know who works in the insurance agents or insurance agents have relationships with insurance so your relationship can get a good bridge from an agent that you trust

Insurance is based on the principle of paying money now to protect your financial future, so it is not surprising that the insurance industry attracting more fraudsters. This happened in the developed countries and developing countries. Therefore, it is wise to be wary of so-called low-cost insurance (insurance that offers insurance for a small fee) and be wary of any other insurance plan are dubious. There are so many hopeful buyers who ultimately did not get anything when the companies can not pay their policy-or just disappeared!

So, just like buying other important matters, it is wise to make a price comparison, and this often saves money. For example, some companies offer lower prices for health insurance for people who do not smoke and vehicle insurance for people who have passed the driving course. However, how a prospective buyer can find a reliable insurance?

The first step is to find out what other people experienced with various companies and insurance agents. Friends and neighbors may know the reputation of a company about the service or the reputation of an agent's honesty and personal interests. Also it is good to remain responsive to news reports that indicate which insurance company is in trouble.

In addition, the history and financial situation of a company can be checked by looking at your insurance ratings in the library, bookstore, or the Internet. It can provide answers to questions such as: Is the company financially secure? Is the company was successful in his business over the years? Whether the company is known to handle claims quickly and without fuss?

However, your insurance ratings should not be necessarily true. An insurance company's long-standing and with assets of up to billions of dollars to be taken over by the government just a week after the company was incorporated in the ratings companies that excel in a famous guidebook!

A lot of insurance purchased consist of several categories, including property insurance, liability, health, disability, and life.

Property Insurance: Protects against loss of property-house, business, vehicle, or other property-is one of the most common forms of risk management. This type of insurance is often ignored, resulting in losses due to natural disasters or accidents.

Some home insurance policies include protection of certain items in the house. If this is the type you purchase, it is wise to make a list of items in the home that you are insured, if possible including photographs or video footage of these items. This list, along with the estimated value of the item or a receipt for purchase of goods should be stored in a secure location that is not in your home. Having these records can make filing a claim easier.

Insurance liabilities: Anyone drive a car, own a home or other real estate, running a business, or hire someone else has a duty in the form of an accident risk. And, the accident may result in damage to property or injury or death to others. The driver or owner of the property or business can be liable to pay for property repairs, medical care, or even the suffering of others. In many countries, employers and the law required car owners to have liability insurance to help pay these costs. Even in places that do not require insurance, a vehicle owner, property owner, or the employer should be held legally and morally responsible to help accident victims or their families.

Health insurance: Many countries have some form of state-sponsored insurance that provides benefits such as pensions for the elderly and medical care. Nevertheless, this kind of insurance only pays a portion of medical expenses or for certain medical treatments. Because of that, some people find private insurance to help them pay for the rest. In many places, workers receive health insurance as a condition of their employment.

Some health care programs, including managed care settings and health-keeping organizations (Health Maintenance Organization / HMO), providing comprehensive medical care for a monthly or annual fee specified. These organizations seek to reduce costs by providing medical care that is not expensive and with the introduction of preventive treatment. However, in an HMO, physician and patient choice for treatment can be more limited when compared to regular health insurance.

Disability insurance and life insurance: disability insurance provides income if one is injured and can not work. Life insurance provides financial assistance to people who have to be borne by someone if he dies. Insurance as it has allowed many families to pay off any outstanding debts and continue their routine lives after their main breadwinner injury or death.

IN SOME countries, certain types of insurance must be owned. In other countries, most types of insurance almost unknown. Moreover, the cost of insurance and the type of protection provided varies from one country to another country. However, the fundamental principle of insurance-sharing risk-remains the same.

Naturally, the more assets a person has, the more the loss. Similarly, a growing number of family responsibilities a person has, the greater the impact, if he died or disability. Having insurance can reduce a person's fears of the possibility of suffering loss of property or accidents that made defects.

However, is it wise to spend money on insurance though will probably never make a claim? Well, do have a spare tire is a wasted investment, even though the tire was never used? Costs incurred to purchase the spare tire can be useful to make the driver feel safe. Although financial compensation can not recover certain losses, it can compensate for the other.

With the above reasons had originally when the insurance did we really need, before we take out the insurance it helps us to know a few things first, is:

1. Types of insurance
2. Getting a reliable insurance company
3. Role of Insurance Agents

Observe the prior of three things above so that we get the insurance in accordance with the what we expected, and we will not be disappointed in the end after deciding to take a particular insurance.

I think if the "rating" google search above the title "7 Reasons Why You Will not Need Insurance"  high enough, words yes with different variants. This could be a "justification" for which the insurance is not important to you, at least for now.

Insurance becomes NOT IMPORTANT if you answer 7 questions below with the answer "NO", from now on:

1. Do you want to maintain your current lifestyle after retirement?
2. Do you want to get quality care when you are sick?
3. Do you want your children to get a quality education?
4. Do you want to pass on something of value to charity?
5. Do you want Guarantee Income Security in the coming years?
6. Do you want to avoid the crisis, because they do not have money?
7. Whether you want to insure your investment,  it can be enjoyed by wife and your kids?

Thanks to those of you who said "NO". For those of you who answered "yes", I believe, whether you, I, and all of us definitely want a glorious future, your children get a quality education in accordance with his ideals, help more people and bring happiness to those those we love.

It requires financial planning or insurance planing to achieve that goal. One way to realize the 7 questions is to have the Insurance Account.

JAKARTA: PT Insurance Bangun Askrida eyeing additional capital of around Rp 5, 5 billion until the end of the year to meet the target as a company with a paid up capital of Rp 200 billion.

Ai Sobaryadi, Director of Bangun Askrida, explaining the additional capital is a decision of the General Meeting of Shareholders (RUPS) that was held some time ago. In the meeting, the shareholders decided to increase the capital of around Rp 6 billion from Rp194 billion in position 2011.

"Honestly Rp200 billion paid up capital of the target has not been met until now. We are still waiting for an injection of capital from a number of pemeritah areas and regional development banks [BPD], "he said on Friday (10/12/2012).

He explained at the AGM are decided on the capital increase priority for shareholders who have a share below 1%. The shareholders are expected to deposit their capital Rp130 ​​million.

A total of four entities minority shareholders have to deposit additional capital with a total of Rp520 million. "After the RUPS new incoming Rp520 million additional capital, so we are looking forward to additional capital of around Rp 5, 5 billion more," he said.

Apart from the minority shareholders, the company also expects capital contribution in an amount greater than the provincial government. But he did not want to reveal the identity of the shareholder.

In search of business, the provincial government has expressed a commitment to increase the capital of West Sumatra is the value of Rp2, 5 billion.

As quoted by Antara, the West Sumatra provincial government plan has been approved by Regional Representatives Council. The Provincial Government capital of Padang was recorded has made equity Rp69, 45 billion in Askrida and has a 20.26% share.

Until the end of August 2012, total equity held by Askrida touched Rp329 billion. The level of risk-based capital, the company was established in 1989 to touch 380%.

In awa stood 23 years ago, all shares owned by the BPD Askrida. In its development, the Minister of the Interior issued a ruling that essentially expands Askrida ownership by involving the provincial government.

Until the end of 2011, there were 17.19% of the shares are owned by seven BPD. Furthermore, as many as 42.59% of the shares owned by the Foundation. Employee Welfare and Pension Funds BPD throughout Indonesia. As for the rest, which is 40.22% owned by a number of provincial government.

General insurance gross premiums reaching targets Rp1 trillion during 2012 through a number of flagship products such as fire insurance, motor insurance and cargo insurance. There was also a personal accident insurance products, insurance, remittances and bank guarantees.

JAKARTA: Three life insurance companies started to go into micro-insurance market segments in the first half of 2012.

Chairman of the Life Insurance Association of Indonesia (AAJI) Hendrisman thus Rahim said there were six life insurance companies play in that segment.

According to him, the number of players in the micro segment of the life insurance industry increased following the implementation of a national seminar on micro-insurance at the end of last year.

He recognizes the contributions of micro segment is still small when compared to the overall value of premiums collected by the life insurance industry.

In the first half of this year, the acquisition of the life insurance premium micro market segment is projected not more than 10% of the total premium collected by alternative distribution channels, namely Rp 9 trillion.

Meanwhile, the total premium collected by the insurance industry iiwa reached Rp49, 7 trillion, grew over the same period last year.

However, he added, this market segment provides high kontrribusi the growing number of insured. The growth of micro segments likely to boost the level of insurance penetration in the country.

At this time there, he says, there are about two million - three million micro insurance insured or about 3% - 5% of the total insured amount of life insurance was 56.4 million.

"So far, only three life insurance companies that have been playing in the micro segment include Allianz, Bumiputera and Jiwasraya. However now started there other insurance that also go into this segment. Ultimately, the insurance companies have started to move down there [micro segment] , "he said Tuesday,

JAKARTA: Indonesia Travel Association (Asita) Jakarta and the Association of Flight Ticket Sales Indonesia (Astindo) with PT Jakarta Raya and PT Insurance Mega Life Insurance to cover losses on the closure of the airline.

Business Development Coordinator Asita Jakarta Anton N. Sumarli said this during a company selling airline tickets and tour company has always been the injured party in the event of closure of business of an airline.

He pointed at the close of business some time ago Mandala Airlines, deposit funds belonging to members Astindo and Asita placed on the airline's Rp 15 billion charred and did not return.

In case of closure of Adam Air a few years ago, he said, the firm loses the ticket seller and agent / agency of not refunding deposits almost Rp30 billion.

So even in some cases the closure of other airlines. They do not refund the deposit ticket seller owned companies and travel agents stationed at the airline. The reason being financial.

"So we took the insurance to provide protection if there is such a thing anymore, we can re-deposit the funds," he said on Thursday (4/10).

President Director of PT Asuransi Kingdom Maramis Arend said it provides deposit insurance fund that is placed on a company selling airline tickets and agent / agency in the airline.

With this partnership, he said, corporate travel agents and ticket sellers will no longer suffer the closure happened to the airline.

"In us, this makes for a performance surety bond products, in order to guarantee top-up funds that could have been paid to the airlines covered. We also backup reinsurance," he said.

JAKARTA: PT Adira Insurance Dynamics (Adira Insurance) launched an insurance product for protection of gadget and telecommunications products at the beginning of the quarter IV/2012.

General insurance companies (loss) by major business lines motor vehicle insurance business in cooperation with PT Global Teleshop Tbk through its subsidiary PT Persada Centra Digital.

President Director of Adira Insurance Indra Varuna said protection product called Global Aplus include risks unintentional accidents which cause damage to the electronic items sold through retail outlets Global Apple.

The accident in question a.l. fell and crushed, liquids, fell into the water, fire and theft broken into and that preceded the violence or destruction.

Aplus Global Product Protection also covers losses caused by earthquakes, volcanic eruptions, tsunamis, floods, typhoons and storms.

"This is one step we are expanding the protection to target specific market segments. We hope to provide added value for users of Apple products, "he said today (2/10).

In addition to providing insurance against Apple products, he added, the product owner will also get the benefit of insurance coverage. If the owner had an accident that resulted in permanent disability or death, the Company will provide a guarantee fund up to Rp20 million.

"There are also benefits medical expenses incurred due to robbery or theft of Apple's products are accompanied by violence against the owner," he explained. (yus)

PT Bank Danamon Indonesia Tbk took Manulife Indonesia to work on the life insurance market and to enlarge pentrasi wealth management market is still low.
Arief Setyahadi, RSH Supply Chain Danamon said Jabar offers a variety of insurance products combined to provide the benefits of this investment and fund management services to customers more broadly.

"We offer life insurance as well as take advantage of investment opportunities for better financial planning tailored to the needs of customers," he said in Bandung on Wednesday (1/8).
He describes the products offered offering a variety of life insurance protection and a variety of investment options through 14 in unit-linked funds to serve the investment needs in accordance with the financial condition.

All products, he said, are marketed through 526 retail branches across Danamon Indonesia and complement Manulife variants of existing products in Danamon, the Dynamic Protection Prima, Primajaga and Primajaga100, life protection standalone program that helps customers prepare for the future.

Manulife also offers life insurance savings products combined with two Danamon, which is more Danamon and the Pinter.

"We have also prepared an expert financial planning and bank staff to help clients identify their needs so as to determine the right product solution," he said.

Meanwhile, EVP Head of Partnership Businnes Manulife Hans de Waal said Indonesia for insurance awareness is still fairly low the predicted number of insurance customers are currently only 2% -3% of the total population.

"People who have life insurance is still low at only 2% -3% only. Whereas in developed countries the number of owners of life insurance more than 80% of the total population," he said.
Seeing these conditions, it seeks to educate the public about the function and life insurance benefits. In addition, the need for innovative insurance products that appeal to the public. "Life insurance is planning ahead. We also have an affordable product with a premium of only Rp10.000/bulan," he explained.

In the meantime, Product Management Head of Bank Danamon Sonny Wahyubrata declared cooperation with Manulife will be mutually beneficial for both parties are expected to increase banking penetration of insurance products.
"Banking Market penetration is still low at only 15% of total customers. We expect growth could reach 100%," he said. (M02/Bsi)

Masih bingung mencari asuransi yang mengerti mobil Anda?
Jika Anda pemilik mobil Toyota, tak perlu bingung lagi
Kini telah hadir, TOYOTA INSURANCE!
Perlindungan lengkap dengan pelayanan sekualitas Toyota


Kelebihan Toyota Insurance yang dapat Anda nikmati:

• Penanganan klaim yang cepat. Klaim disetujui dalam 1 hari*.
• Call center 24 jam di 75 898 (ponsel) atau (021) 7650 898 siap membantu Anda kapan saja.
• Jaminan suku cadang asli dan jaminan hasil kerja bengkel resmi Toyota (Toyota Authorized Workshop) selam 1 tahun
• Emergency Roadside Assistance siap membantu selama 24 jam bila terjadi situasi darurat di jalan seperti mogok, ban kempes, pintu terkunci, kecelakaan, dan lain-lain.
  *) Syarat dan ketentuan berlaku.

TOYOTA INSURANCE, asuransi khusus untuk pemilik mobil Toyota. Tentunya dengan kualitas Toyota yang terpercaya. Bagi Anda pemilik mobil Toyota seudah sepatutnya mendapatkan perlindungan asuransi dengan cara Toyota. Mobil Toyota yang bisa diasuransikan adalah mobil baru jenis sedan, SUV, MPV, pick up dan truk.
Toyota Insurance, menawarkan 2 jenis perlindungan, yaitu :

1. Kondisi Total Loss Only (TLO), menjamin total loss accident dan kehilangan mobil akibat pencurian. Untuk total loss accident akan mendapatkan penggantian apabila biaya perbaikan 50% lebih besar dari harga kendaraan*.
*) Syarat dan ketentuan berlaku.

2. Kondisi komprehensive, menjamin kerugian sebagian (partial loss) maupun kerugian total (total loss) ditambah perluasan jaminan tanggung jawab hukum pihak ketiga sampai dengan Rp. 10 juta per kejadian*.
*) Syarat dan ketentuan berlaku.

Berbagai keuntungan lainnya di Toyota Insurance yaitu :
- One Day Claim Approval
- Perlindungan menyeluruh
- Layanan Call Center 24 jam
- 24-hour Emergency Roadside Assistance

Toyota Workshop

Toyota Insurance hanya mempercayakan mobil Anda ditangani oleh Toyota Authorized Workshop yang memiliki fasilitas teknologi mutakhir dan teknisi yang berkualitas standar Toyota. Begitu juga dengan suku cadang yang digunakan hanya suku cadang asli Toyota.

Berikut jaminan yang Anda dapatkan di Toyota Authorized Workshop:
1. Suku cadang asli Toyota.
2. Jaminan hasil kerja selama 1 tahun
3. Materi cat berkualitas
4. Special Service Tools dari Toyota
5. Fasilitas dan perlengkapan sesuai standar Toyota :

• Welding Tools (TIG, MIG, Spot Welder). Mencegah terjadinya karat, tidak merusak struktur logam body, dan kualitas las sesuai standar pabrik.
• Washer Welder, Lead time lebih pendek, meminimalkan dempulan dan tidak merusak struktur logam.
• Repair Frame (Frame O-Ligner), mengurangi deformasi (perubahan bentuk), dan perubahan struktur logam yang disebabkan penarikan dengan metode pemanasan. Dengan hasil ukuran chasis yang presisi, menjamin kestabilan kendaraan.
• Mixing Color Room, hasil warna yang akurat sesuai dengan warna kendaraan (Juga didukung dengan database warna kendaraan).
• Infra Red Drier, Pengeringan sampai ke plat dasar mobil, pengecatan lebih cepat, hasil lebih baik, dan tidak terpengaruh cuaca.
• Spray Booth, Menjamin hasil pengecatan yang mulus, bebas bercak, dan partikel kecil lainnya yang dapat merusak daya tahan cat serta penampilan mobil.

Jadi jika anda memang sudah membeli Toyota Fortuner SUV Terbaik pastikan asuransi anda adalah Toyota Insurance

Saya akan berikan ilustrasi Premi Asuransi untuk beberapa asuransi besar yang ada di indonesia khusus untuk perhitungan Premi Asuransi Mobil Toyota Grand New Fortuner VN Turbo dengan harga beli antara 380 juta sampai 410 Juta

Untuk Perhitungan Pada Asuransi ABDA:
Mobil Tahun 2012 Harga Rp.420 juta

420.000.000 × 2,5% = 10.500.000 All Risk Standard
420.000.000 × 3% = 12.600.000 All Risk + Perluasan huru hara, banjir dan gempa.


Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.

__________________________________________________________________________________

Untuk Perhitungan Pada Asuransi ACA:
Mobil Tahun 2012 Harga Rp.420 juta


420.000.000 × 2% = 8.400.000 All Risk + Perluasan huru hara, banjir dan gempa.


Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.

__________________________________________________________________________________

Untuk Perhitungan Pada Asuransi Takaful:
Mobil Tahun 2012 Harga Rp.420 juta

420.000.000 × 2,75% = Rp. 11.550.000 Premi Satu Tahun All Risk Standard
420.000.000 x 3.02% = Rp. 12.684.000 Premi satu Tahun All Risk huru hara, Banjir dan Gempa


Benefit :
1. All Risk Comprehensive
2. TJH III Rp. 10jt.


Sementara hanya tiga Asuransi diatas dilain saat akan saya tambahkan lagi untuk asuransi lain seperti SINARMAS, AXA, dan yang lainnya

JAKARTA: Value investing their pension fund industry continues to grow throughout the year with touching Rp145, 2 trillion by the end of July 2012, grew 4.45% compared to the end of 2011, which recorded Rp136, 13 trillion

Performance for 7 month only meet about 45% of the projected Capital Market Supervisory Agency and Financial Institution (Bapepam-​​LK) are hoping the investment industry Pension Fund (Pension Fund) can grow at least 10% this year.

Dumoly F Pardede, Head of Pension Fund Bapepam-LK, said that currently there are 272 actively operating Pension Fund. "In general, the performance of Pension Fund increased and investment strategy in accordance with a maturity of obligations," he told reporters last week.
-->
More details he describes government and corporate bonds are still the main choice of the Pension Fund in investing and followed by the placement of funds in a portfolio of mutual funds. Bond so popular choice, besides the price is relatively predictable and can match the tenor and direction of Pension Fund investment plans.

Reason, further Dumoly, making Pension Fund administrators flexibility in adjusting to the Pension Fund liability maturity investment portfolio. As for the global conditions still indicate uncertainty, according to him does not significantly affect the current Pension Fund investment strategy.

According Dumoly, there are two issues of concern to the Pension Fund of businesses today, namely the conversion of new accounting standards and plans for the establishment of the Social Security Providing (BPJS). "Currently Pension Fund currently consolidating the new international accounting system," he said without elaborating further.

However, migration to BPJS related, according to him was not much to worry about. "Because the program is a program of the premium pension on top of the basic program in BPJS," he said. (faa)

JAKARTA: A total of 40 businesses in the insurance sector was selected as a finalist Insurance Awards-16 Insurance Industry in Asia organized by the Asia Insurance Review.

The finalists were selected through a selection of 800 nominees selected insurance companies to be the best in 13 categories.

These categories include Life Insurance Company, General Insurance Company, Educational Service Provider, Reinsurance Broker, Broker.

Additionally Risk Manager, Innovation, Risk Provider, Life reinsurer, General reinsurer, Corporate Social Responsibility, Technology Initiatives, and the Personality of the Year.

It's just not one insurance company in Indonesia which was listed as the finalists are.

The judges and regulators in the insurance sector in Asia has just met and interviewed the finalists are in Singapore, yesterday.

According to a release received business on Friday (08/31/2012), the finalists are average players in the insurance business conditions classified as advanced as Japan, Singapore, and Australia.

In addition to the two countries, the countries contributing finalists including India, Malaysia, Taiwan, and Sri Lanka.