Is there Based Insurance Investment?

 Is there Based Insurance Investment?

Each person would want dual benefit of insurance that not only provide protection of life, but also provide investment results at the end of the period of protection. And now these needs can be met with the presence of unit-linked insurance products.



This insurance product has two benefits, namely protection and investment. Nevertheless, the precedence of this type of insurance is still on the side of the protection or the protection of life, while the benefits of the investments are in addition to the development of the funds you have. The benefits of this investment is suitable for you who want the additional emergency funds are used as a personal investment in the future.



Basic life insurance benefits, namely the sum insured on the risk of death, critical illness and other necessary additional benefits, such as inpatient hospital benefits, the benefits of premium exemption due to total disability / permanent and others. Therefore, it is precisely by optimizing the insurance protection then you actually protect the investment you've collected that is not disturbed by the needs are great and sudden expenses that may occur. Thus, the investment side you can optimize to achieve long-term financial goals you want.



When buying a unit-linked products, you are required to pay premiums on a regular basis or all at once. Then the premiums paid will be allocated to two things, namely to pay insurance premiums only after it invested in an investment fund which you can choose according to your risk profile.



As explained by Mr. Didier Pratik Komara, as the Head of Product Offer Allianz. "As for the allocation of investment, you must first determine what investment fund that is appropriate to your risk profile. The principle is high risk, high income. "



Do you include a profile that 'conservative' who tend to prefer stable investment returns with low investment risk? You can also included in the risk profile of the 'moderate' who crave high investment returns, but still hesitant to take the plunge. Or even you are included in the risk profile 'aggressive' is better prepared to face any possible reduction of the principal value of an investment to get high investment returns by choosing a high-risk investment products.



After knowing the risk profile, then you determine the appropriate fund. Starting from deposits, stocks and bonds to stocks (Equity Fund). Keep in mind that the results of the investment unit-linked products is determined by the condition of market economy, so investments in units of links should in the long term.



Premium allocation allotted to the cost of insurance and the investment you can define from the beginning the purchase of insurance products and can be re-adjusted to the needs in the future.

Link unit has high flexibility, so whenever you can change the placement of investment funds as desired. You can add the additional benefits (rider) as needed.



You need to note is the Unit Link is an insurance product, so that the allocation for the protection remains a priority. When viewed from the side benefit, indeed Unit Link can not give the maximum profit in a short time such as mutual funds or property. Because indeed Unit Link from the originally intended to provide protection. Investment is mainly the added value of a Unit Link itself.

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