1. People who are young and single does not need insurance.Are there people who suffered losses when we die? However, although we do not rely on others, we are still going to leave a credit card debt, mortgage, cash loans, up to the cost of the funeral.Life insurance policy will generally cover the costs of this. The faster, or the younger you buy insurance, you can get lower premiums. Insurance will also guarantee the costs that you incur when you have health problems later.
2. Only people who already have children who need insurance.According to Michael Bonevento, senior financial advisor at Ameriprise Financial Services, Inc., they were married and married with a child, or married with children with special needs, may have an obligation to buy insurance.Even so, there are many examples where single people also have insurance. When the single came from poor families were, he could leave his insurance claim for his family in case of a problem to him. So, he took the insurance to make sure families do not have financial problems when he was not there
3. If the company is already providing insurance, for what else to buy insurance?Many companies that provide life insurance or health insurance for employees, whose value may be equivalent to your salary a year. This may be a benefit for you, but what if you do not work anymore in the company?Would not you can not predict when you will experience the risks that may occur? What if you suddenly have to be hospitalized? May be too late if you had to buy insurance when it needed money for anticipated losses that may arise as a result of that risk.
4. Life insurance is generally too expensive.We will buy the insurance, you will be given the option to charge premiums that correspond to your ability. Premiums been a younger person would be lower than those already established. Moreover, in addition to annual paid, there is also a premium which can be paid monthly. This premium value can increase when your financial condition is getting better.
5. All the same insurance policy.His name is also the product or merchandise. Each certainly has advantages and disadvantages, which is manifested in the form of policy. The policy may be using the same terms, but the substance of what is in the cover can be different.So when you buy an insurance product, do not just consider price alone. Read carefully the wisdom given so that you do not feel cheated later.
6. The housewife does not need to buy insurance.You may not have an income, but you would still have to provide the facilities needed by the family. For example, child health, food and clothing needs, home care, and so forth.When her husband died suddenly, or not able to work anymore, those needs would have to meet itself. Well, life insurance can ensure your safety when the couple is no longer present to meet your needs.
7. Buying insurance is complicated.It takes time to process your insurance purchase, including the approval of the insurance request you submitted. However, the current financial planner alias insurance agents already implementing proactive.That is, they are coming to you and take care of everything. If less clear with rights and obligations, you can also access it yourself on his website. You can also compare themselves with other insurance products. If still not clear, you can schedule another meeting with your agent.
8. If I join life insurance, it means I do not believe in God's protection.When we left the car / house, if we lock the door or not? If we believe in God's protection, of course, we do not need to lock the door at all, because God will take care for us.God gives to the human intellect and mind so that people can think. Just as God gave the reason that we want to lock the door of the car / house when leaving and not God as a guard house / your car, then God also gave the intellect to see if we can protect ourselves from things that are unexpected by taking protection insurance and do not blame God when things happen that are not in want.
9. Insurance claims difficult, and often do not pay.If insurance claims is difficult and tortuous, then the insurance business will surely continue to shrink because no one else would insured. In fact the insurance business continues to grow each year. Why not pay a life insurance claim?10. Participate life insurance that means I'm going to die soon.If all life insurance customers soon died shortly after take insurance, then the insurance company would have been bankrupt long ago, because how could pay customer claims whose value is not comparable to the premium paid.Precisely the fact remains most insurance customers long-lived because in praying by all employees and the insurance agent, so the next year and subsequent years customers can continue to pay insurance premiums so that they all can still work and in salary by the company.source:http://www.asuransi.web.id/artikel-asuransi/mitos-tentang-asuransihttp://lipsus.kompas.com/asuransi/read/2011/10/24/13354352/7.Mitos.Membeli.Asuransi.Jiwa
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