Stop Dreaming Start Action

Apa jadinya jika kita hanya bermimpi dan bermimpi ?
Wah, pastinya tidak akan ada sesuatu yang terjadi di dunia ini.

Di dunia maya atau dunia impian, mungkin saja terjadi, tapi di dunia nyata ?
Jangan mimpi bo......

Hidup adalah tindakan. Orang yang tidak bertindak sama dengan tidak hidup.
Memang segala tindakan mengacu kepada mimpi yand dilakukan sebelumnya.
misalnya : mimpi ingin terbang, jadilah pesawat terbang.
Mimpi ingin punya pacar canti, akhirnya punya pacar yang mirip bidadari.

Tapi itu semua dihasilkan dengan tindakan, A-C-T-I-O-N
bukan dengan mimpi atau D-R-E-A-M

Jadi mari kita segera budayakan jargon "Stop Dreaming, Start Action"
untuk Indonesia yang lebih baik

self insurance

Celebrate Your Life With a Life Insurance Policy

by Simon Crerar

Life insurance policy is an agreement between two parties agree to compensate on uncertainty of life, property or wealth in exchange of a fixed amount called premium. It is also the transfer of risk from one entity to another in exchange for a premium and duty of care. Life insurance is a risk mitigation tool and also a tax saving tool.

Few years back, life insurance services in India were limited to big cities and towns with only Life Insurance Corporation of India providing the service. The lack of awareness of life insurance did not allow it to grow in rural and urban India. There were also lack of other life insurance agencies and corporations at that time. With the emergence of private corporation in the life insurance sector, the market has seen a boom. Now a days, all the big insurance companies are operating in India. The potential in the market is making these companies to come out with new and attractive life insurance plan.

Insurance is generally of two kinds, life insurance and general insurance. Life insurance policy covers life protection, retirement plan, children education and wealth creation. And in life protection, various things is covered, like term insurance, whole life policy, endowment policy, annuities and pension plan. The general insurance covers fire (covers all fire-related risk), marine (covers perils of travel) and miscellaneous. Miscellaneous category covers personal accident, business and risk mitigation, insurance of property, buildings, motor vehicles, factories, airplanes, home assets, flats and its contents, travel related accidents and losses and fidelity insurance of key employees.

With almost 14 big insurance companies in India offering multiple options to meet the insurance need of the consumers, Insurance companies are working aggressively in taping the market with various products and policy. Now the question arises that for which policy and plan one should go for. One needs to do the life insurance comparison before entering into any term or policy. Life insurance is totally dependent on individuals needs and requirements as to what suits the individual best. For each category of policy, one can have the life insurance comparison of all the big companies, which is available on the company's website or you can call the executive.

Choosing the best investment company depends on its performance and cost of its product and the service. Because of the stiff competition in the market, there are various companies providing best insurance plan in India. The Tata AIG Life's InvestAssure II has done well in the last few year with annual return of 72 percent. The Kotak Platinum advantage ULIP products is doing well along with its Child Plan and Term Policy.

In general insurance category, ICICI Lombard is doing well because of its comprehensive product line, instant online policy issuance, lightning fast claims settlement and simple and fast documentation. The Aviva life insurance has various attractive products for the consumers, like Lifelong Policy, Lifesaver or Easylife Plus, Young Achiever, Lifebond and Lifebond Plus, Pension Plus, Lifeshield, Freedom Lifeplan and Lifebond 5. All these Aviva life insurance products are doing well and are very good products.

With the rebate in income tax act under section 80 C or 80 CCC (1) and section 10 (10) D in India, more and more people are investing in life insurance these days.

Like many other countries in the world, life insurance is made compulsory by the government in India for taking care of the people's health. India needs to be more focused in that direction and ensure for the healthy upbringing of the people.

life insurance

Personal Life Insurance - The Evolution Of Your Portfolio

by Donald Lusan

You have been hounded by life insurance agents from your senior years in college. You just didn't see the need to buy a policy or may be you just felt you had no need for the product. You graduate and it doesn't take you too long to get established in a good job. You have a nice apartment and some money in the bank. A life insurance agent is referred to you by a friend. He calls and you allow him to come to your home to discuss the matter only because he was referred by a friend.

You feel you have no need for life insurance but you decide to listen to what he has to say anyway. You have a small group policy on your job that is sufficient to put you six feet under and get rid of you. After a little small talk the life insurance agent begins to ask some questions.

• Are you married?
• Do you intend to get married sometime in the future?
• How do you feel about single people having life insurance?
• what about children - do you plan on having children in the future?
• Do you plan on going into business in the future?

You can't see the relevance of the questions as they do not apply to your present situation but you answer them anyway.

The life insurance agent goes through between 30 and 40 questions. Some seem to hit home but mainly for some time in your future...not now.

The life insurance agent then explains that you have sufficient life insurance for now. your group policy will be sufficient to bury you and pay off whatever outstanding debts you now have. Based on the answers you give him this life insurance agent knows that you will need much life insurance in the future.

• MarriageIn another 5 years or so you plan to be married. It would certainly be your responsibility to guarantee that your wife can maintain the same standard of living she enjoys at the time of your marriage even if you died shortly thereafter. It really doesn't matter if she works...you will need some life insurance for that. The big problem is that the younger you are the cheaper it is so it may be wise to buy it now. Additionally, if you should develop some illness in the future you may not be able to qualify for your policy. If you have it from now they cannot take it away from you. You agree to buy $1,000,000 of term life insurance to start.
• Home - MortgageFive years down the line, exactly as you planned it, you get married. You had met your wife in college. She also has a job that pays well. You are now age 35 and so is your wife. You both agree that it would be a good thing not to wait too long before having a child. You both agree to buy a house first. As you had quite a bit of money saved you start house hunting. You wife also had some savings so you both put down a substantial down payment and you own your house... After buying your furniture something occurs to you. What would happen if you died tomorrow? Would your wife's earnings be sufficient to make the mortgage payments? You decide to buy a decreasing term policy sufficient to pay off the amount owed in the event of your death.
• ChildrenYou wife get's pregnant. You are shortly going to have an addition to the family. Not to worry; if anything happened to you that original $1,000,000 life insurance policy will take care of them. Special attention should be paid to the rising cost of living, however. What a dollar can buy today it certainly cannot buy a few years down the line. In your case you increase your life insurance a little when the baby is born.
• 25 Years Down The LineYou had one other child and they have done well. They graduated from college and are looking forward to a happy and prosperous future. Do You still need the life insurance you bought over the years? It is very likely you do. You still want to provide that income for the one you love...even though your investments have done very well and you are pretty well off. If your estate is a large one the Federal Government will have to be paid what is known as Estate Taxes. The Federal Estate Tax Law has been repealed but that does not mean you have no Tax to pay.