Selection of Insurance for Children
Call, you and your wife are a young couple, earning only 1 million a month, and just had a child aged 1.5 to 2 years. Well, where should you choose, insurance or savings? If possible can only be saved, how much money should you set aside each month?
Actually the same thing. Insurance education or education savings to have the same characteristic. In addition to the investment decision can be adapted to schedule your child's school, they both provide protection functions. That is, the availability of your child's education fund will remain secure even if the risk of death happen to you.
In particular, education insurance is insurance that offers two purposes (dual-purpose), the function and investment protection. Proteksinya function will run the risk of death over you, that is, by promising a certain amount of money if you are experiencing death. It's just a given sum assured is usually already adjusted to the cost of your child's education and have been agreed in the policy.
As an investment, this insurance will manage and invest part of your premiums paid. Instead of managing your money, the insurance company will provide some funds in the amount already agreed upon in the policy. When the payment is scheduled, it's time to suit your child's school.
Meanwhile, an education savings bank savings products. This product has characteristics similar to insurance education. With this type of savings, you will save a certain amount of money on a regular basis.
The amount of monthly savings target was calculated from the education fund would you take, later. And to ensure the availability of education funds, the bank has worked with several insurance companies that will guarantee your deposit despite the risk of death.
Instead, the money that you set aside as a monthly savings amount should be related to your needs in the future. To fund your children's education, for example. You must first calculate the amount of funds you need, and time use.
After that, calculate the amount of money you need to save. As for the funds to back up, you have to set up other savings to the amount berkelipatan approximately between 5 to 15 times your salary.
It would not ban to save for a young couple on low incomes. But better, you do not need too much force myself to have an education fund as soon as possible and reserve funds. Make settings for your money properly. As a result, setting aside money by saving money can still be achieved without sacrificing other interests at this time.
Actually the same thing. Insurance education or education savings to have the same characteristic. In addition to the investment decision can be adapted to schedule your child's school, they both provide protection functions. That is, the availability of your child's education fund will remain secure even if the risk of death happen to you.
In particular, education insurance is insurance that offers two purposes (dual-purpose), the function and investment protection. Proteksinya function will run the risk of death over you, that is, by promising a certain amount of money if you are experiencing death. It's just a given sum assured is usually already adjusted to the cost of your child's education and have been agreed in the policy.
As an investment, this insurance will manage and invest part of your premiums paid. Instead of managing your money, the insurance company will provide some funds in the amount already agreed upon in the policy. When the payment is scheduled, it's time to suit your child's school.
Meanwhile, an education savings bank savings products. This product has characteristics similar to insurance education. With this type of savings, you will save a certain amount of money on a regular basis.
The amount of monthly savings target was calculated from the education fund would you take, later. And to ensure the availability of education funds, the bank has worked with several insurance companies that will guarantee your deposit despite the risk of death.
Instead, the money that you set aside as a monthly savings amount should be related to your needs in the future. To fund your children's education, for example. You must first calculate the amount of funds you need, and time use.
After that, calculate the amount of money you need to save. As for the funds to back up, you have to set up other savings to the amount berkelipatan approximately between 5 to 15 times your salary.
It would not ban to save for a young couple on low incomes. But better, you do not need too much force myself to have an education fund as soon as possible and reserve funds. Make settings for your money properly. As a result, setting aside money by saving money can still be achieved without sacrificing other interests at this time.
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