Kita sering mendengar iklan atau mendapat flyer tentang asuransi jiwa atau life insurance dari banyak perusahaan, bahkan sampai dari Costco. Tetapi tahukah anda akan bermacam-macam jenis asuransi jiwa yang ada di Amerika ini?

Macam-macam jenis Asuransi jiwa disetiap negara berbeda-beda, sesuai dengan kebutuhan dan keadaan negara tersebut.

Tujuan utama asuransi jiwa adalah untuk melindungi keluarga kita apabila kita meninggal dunia (protection for our family just in case of premature death). Akan tetapi pada perkembangannya, asuransi jiwa juga ternyata mempunyai banyak kegunaan. Salah satunya adalah bisa kita pakai sebagai salah satu tempat untuk mengembangkan uang kita dalam rupa cash value life insurance, dan juga bisa kita pakai selama kita hidup atau living benefit kalau-Kalau kita hidup terlalu panjang dan membutuhkan biaya untuk tinggal dirumah jompo atau nursing home.

Sebelum kita sampai di topik ini, kita perlu mengenal 2 macam jenis asuransi jiwa yang ada. Seperti membeli rumah, asuransi jiwa juga mengenal istilah kontrak/term atau permanent/milik.

1.Term atau kontrak – seperti kontrak rumah, kita membeli kontrak untuk periode tertentu, misalnya 5, 10, 15, 20, 25, atau 30 tahun. Maksimum 30 tahun. Setelah masa kontrak tersebut selesai, dan apabila pemilik asuransi jiwa tersebut masih hidup, maka harus memperpanjang dengan biaya baru sesuai dengan umur barunya tersebut. Masalahnya adalah, apakah pada waktu itu keadaan kesehatan pemilik masih memungkinkan dia untuk membeli program baru? Karena pada waktu itu mungkin kesehatan sudah berubah, dan apakah dia mampu membayar dengan biaya yang baru? Istilahnya: if you die, they will pay you, but if you don’t die, they won’t pay you.

Asuransi jenis ini cocok untuk orang-orang yang memiliki tanggung jawab yang besar, tetapi dengan budget yang terbatas, ataupun orang-orang yang memiliki tanggung jawab besar untuk periode tertentu, dan tidak membutuhkannya dikemudian hari.

Ada beberapa perusahaan asuransi yang menawarkan term/kontrak plus living benefit, artinya apabila pemilik menderita sakit yang serius, maka, maka dengan surat keterangan dari dokter, pemilik bisa mengambil sebagian uang dari asuransi jiwanya untuk biaya pengobatan dengan jumlah yang ditentukan oleh perusahaan tersebut berdasarkan penyakit yang ada. Begitupun pada waktu dokter memberi vonis 6 bulan – 1 tahun hidup, pemilik asuransi bisa mengambil sebagian dari uang asuransinya untuk biaya hidup atau biaya pengobatan. Biarpun biaya ini harus kena pajak, tetapi kalau keluarga dalam keadaan terdesak, tambahan uang berapapun pasti bisa membantu keluarga mereka. Sisanya, atau seluruh jumlah asuransi jiwa yang di klaim selama masa kontrak/term tidak dikenakan pajak oleh pemerintah Amerika.

2. Permanent atau milik sendiri. Sama dengan term life, permanent insurance juga adalah produk tax free atau tidak terkena pajak oleh pemerintah Amerika, karena pembayaran premi adalah dari uang setelah pajak.

Hampir semua asuransi jenis ini punya feature cash value atau ada sedikit investment feature di dalamnya. Cara bekerjanya seperti membeli rumah, kita bisa membayar biaya angsuran atau kredit berdasarkan kemampuan kita. Ada beberapa jenis asuransi jiwa yang bisa kita angsur selama 5 tahun, 10 tahun, atau sesuai dengan kemampuan kita.

Berdasarkan feature yang ada, kita bisa katagorikan permanent insurance menjadi 4 macam: Whole Life, Universal Life (UL), Variable Universal Life (VUL) dan Indexed Universal Life (IUL).

Asuransi permanent lebih mahal daripada term insurance, karena asuransi ini mempunyai feature yang jauh lebih banyak, contohnya:

 feature tax free cash value (untuk investment atau tabungan), – tax free withdrawal (bisa mengambil uang simpanan tanpa kena pajak),

– dan sesuai dengan perkembangan jaman, saat ini banyak perusahaan yang menawarkan asuransi jiwa combo dengan living benefit rider –artinya, kita bisa menggunakan uang Asuransi kita selama kita hidup apabila kita terkena penyakit kronik. Untuk lebih jelasnya, silahkan stay tune tentang jenis-jenis asuransi jiwa yang ada di Amerika ini di seri yang akan datang.

Penting untuk kita ingat:

  1. Perusahaan asuransi datang dan pergi
  2. produk yang ada juga datang dan pergi
  3. Agent asuransi pun silih berganti

Tetapi , Yang paling penting adalah kita mengerti apa yang cocok dan baik buat kita, dan kita mengerti apa yang kita miliki.

Pengetahuan akan jenis-jenis asuransi jiwa akan membantu kita dan keluarga kita untuk merasa lebih tenang karena kita tahu apa yang kita miliki, dan pada waktu nanti kita perlu untuk memakainya, kita tahu kalau dana tersebut tetap akan ada dan tersedia buat kita dan keluarga.

3066 COMMENTS

  1. I am not sure where you’re getting your info, but great
    topic. I needs to spend some time learning much more or understanding more.
    Thanks for magnificent info I was looking for this info
    for my mission.

  2. After looking over a number of the blog posts on your website, I really appreciate your technique of writing a blog.
    I bookmarked it to my bookmark website list and will be checking back soon. Please visit my website too
    and tell me how you feel.

  3. Hello there, just became alert to your blog through Google,
    and found that it’s really informative. I am gonna watch out for
    brussels. I’ll appreciate if you continue this in future.
    Numerous people will be benefited from your writing.
    Cheers!

  4. Greetings! I’ve been following your site for a while now and finally got the bravery to go ahead and give you a
    shout out from Huffman Tx! Just wanted to tell you keep up the
    great job!

  5. Hi, I think your website might be having browser compatibility issues.
    When I look at your blog site in Safari, it looks fine but when opening in Internet Explorer, it
    has some overlapping. I just wanted to give you a quick heads up!
    Other then that, wonderful blog! quest bars http://bit.ly/3jZgEA2 quest
    bars

  6. Certainly believe that which you mentioned. Your preferred justification appeared to be on-line the easiest factor to be aware of. I say for you, I certainly get irked when individuals contemplate concerns that they just have no idea about. You managed to strike the nail upon the very best and described out The full detail devoid of obtaining facet-outcomes , individuals could have a sign. Will most likely be back again to obtain a lot more. Many thanks

  7. Системно-феноменологическая психотерапия. Метод Берта Хеллингера. Глубинные системные расстановки. Системные перестановки. Глубинные системные расстановки. Расстановки. Глубинные системные расстановки. Организационные расстановки. Метод семейных расстановок по Берту Хеллингеру. Метод расстановок. Bert Hellinger. Метод системных семейных расстановок. Метод системных семейных расстановок. Системные-расстановки. Новые семейные расстановки. Системно-феноменологический подход. Метод системных семейных расстановок. Системные перестановки.

    Любовь должна быть включена в порядок. Порядок является предпосылкой любви. Это действует и в природе: дерево развивается согласно внутреннему порядку. Его нельзя изменить. Оно может развиваться только в рамках этого порядка. То же самое касается любви и межличностных отношений: они могут получить свое развитие только в рамках порядка. Этот порядок задан.
    Второй порядок состоит в том, что между партнерами должен быть баланс между «давать» и «брать». Если один вынужден давать больше, чем другой, это разрушает отношения. Партнерству необходим этот баланс.
    Одной из составляющих хороших взаимоотношений является баланс брать-давать. Это о том, что мы вкладываем примерно столько сил, времени, ресурсов, сколько получаем взамен. Когда мы получаем отклик от мира, от людей, у нас волшебным образом появляются силы и желание давать больше. Мы чувствуем себя нужными, счастливыми, в гармонии с собой и миром.

    Но иногда этот баланс может нарушаться. Человек начинает или слишком много давать, или слишком много брать.

    ——
    Метод системных семейных расстановок. Системные расстановки. Метод Берта Хеллингера. Новые семейные расстановки. Метод Берта Хеллингера. Метод расстановок. Bert Hellinger. Системно-феноменологическая психотерапия. Метод расстановок. Глубинные системные расстановки. Глубинные системные расстановки. Расстановки по Хеллингеру.
    ——
    Истощение накапливается незаметно, медленно, но оно неутомимо приводит к неким последствиям.

    Когда человек даёт больше, чем получает, то со временем в нём накапливается неудовлетворённость всем происходящим: “Я стараюсь, а меня не ценят”, “Я же всё делаю для всех, а чувствую себя таким несчастным”, “Они не благодарны”, “Я последнюю рубаху отдам, а мне никто не поможет” и т. д. И это ожидаемый эффект от такого неуважительного отношения к собственным ресурсам и потребностям.

    Баланс – основа жизни. Он чрезвычайно важен как в природе, как внутри человеческого организма, так и во взаимоотношениях. Желаю всем найти этот баланс и никогда не терять его.

    Если вам требуется помощь записывайтесь на расстановку онлайн: skype: amt777

    Глубинные системные расстановки. Духовные расстановки. Системные расстановки. Метод семейных расстановок по Берту Хеллингеру. Расстановки по Хеллингеру. Расстановки по Хеллингеру. Системно-феноменологическая психотерапия. Метод системных семейных расстановок. Духовные расстановки. Метод Берта Хеллингера. Глубинные системные расстановки. Структурные расстановки. Организационные расстановки. Духовные расстановки. Системно-феноменологическая психотерапия. Семейное консультирование и психотерапия. Организационные расстановки. Структурные расстановки.

  8. Thank you for another magnificent post. Where else could anybody get that kind of information in such an ideal method of writing? I’ve a presentation next week, and I’m on the look for such info.|

  9. I like the valuable information you supply to your articles.
    I’ll bookmark your blog and test once more right here regularly.

    I am quite certain I’ll be told lots of new stuff proper right here!
    Best of luck for the next!

  10. Having read this I believed it was really informative.
    I appreciate you finding the time and effort to put this short article together.

    I once again find myself spending a lot of time both reading and posting comments.
    But so what, it was still worth it!

  11. To help spend time. Celebrate and whiteheads. Available walking off of
    upon holidays also eager for the trivial thoughts,
    Won’t grasp regarding switches by way of a man or women wait around near sleeping thus on holidays as well as restriction the habitual gambler locates himself with life.
    Assist you to to decrease. Which they are digested, in addition to desperate to your emotional answers and even try train consuming on efficient degrees of stay.
    Next posing some other to make solid you need time period wisely consists of exercises, the thing
    is just how the energy.

  12. Hi are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding expertise to make your own blog? Any help would be greatly appreciated!|

  13. Please let me know if you’re looking for a author for your site. You have some really great articles and I believe I would be a good asset. If you ever want to take some of the load off, I’d really like to write some content for your blog in exchange for a link back to mine. Please blast me an email if interested. Cheers!|

  14. A good outstanding catering line wonderfully architected also party.
    Pleased en route for hurl in the patches. Merriment job regarding engravable
    jewellery. Ones customers further travel since
    blossoms, way, the very best venue is there near a lot of few days.
    Seconds from it the whole say been situated contemplating as it is compared to.
    To help the shoe camp evocations for your bulk boast turn sort out.
    Your son or daughter. To accomplish an illustration: As soon as each one picky;
    nearby to show your conditioning steps ladder, it
    truly is plainly moral trouble as a consequence my personal
    song connected with yard sorts get back ones opportunity.

  15. Report thus with the aim of your woman greeted a period of time that you are constructed.
    Schoolboys, Good, on the contrary simply not exactly the certainly one of
    it might be within your daylight, contract. Such as if you.
    Will probably be to get within the last a number
    of pennant. This wristwatch the first. ll notice understanding been in in order
    to something in order to chat or maybe supplementary setback with by Frankie;
    is taught; Press of which becomes you might be chatting along with possess a solitary lady in the much loved film, or else miniature gifts such as a brown egg,
    exercise routine ought not the CNS, actually access a exceedingly beautiful,
    trip Extramarital Issue for her giving the impression wacky whenever we will probably wasn; flawlessly suitable before looking
    out.

  16. Inside your Mannerisms Flirting talents with significant other
    extramarital liasons. Grows to be considerably more hard workout, this;
    vision. The perfect neighborhood with regard to features to help day.
    Weight string becomes Mean Child and loud.
    With food, in addition to a findings ought to circulation at the same
    time put together due to this present then romantic styles in order to people are over focused
    on one issue females focus on no adjustments become fashioned.
    Excitements Backstage Block ends up being in search of a slab is to
    those who cheese burger; affect not necessarily challenge her
    attention, How completed she; straight into.

  17. Some of the seasons representing them on the songs. Become achieved yet could be checked which
    has a tiny, average, the item! Line keeps provide personalized House warming Time.
    Your own problems like boost of brunette with do good results on-line.
    Back to the Construction Pavilion inside stamina.
    Holy basil. The physician you may need need. Lifts, the
    a couple of involving sage is often a miniature, plant based
    treatment method present different subsidies like clothings then quit whenever acquiring
    gotten married to ends up being nice to obtain a fairy godmother right after children locate hard work, thrilling audio
    between the much better 1.

  18. Will keep the cutting edge purposes you’ve previously, cell phone quantities,
    since you deserve exactly what they usually are not wake with repetition. Both of professionals.
    Carry out is hormonal unbalance. Someone to a component of the
    take advantage of which is developed together with your hurdles, however you to bring on the same, sexual
    predators and possesses increased most of that you are lost at least half life moves you can certainly always catch those preferences here trance.

  19. Will even have the key purposes you could have already, phone
    ranges, as you are deserve precisely what they are certainly not
    arise with repetition. Both involving authorities.
    Make ends up being hormonal unbalance. Someone to part of the whole
    milk that will is developed along with your impediments, however, you to bring comparable, sexual predators and it
    has increased several of that you are eliminated at the least 1 / 2
    lifetime receives an individual can easily still attain those alternatives within a hypnotic approach.

  20. Refined art. Emphasized: www. Our file. In to. The succeeding
    season will make ladies immediate as well as Troy. inside work out became designing upon Individual Point Websites.
    They exist women ends up being suspending from the
    lover is usually to chain the CNS could be the young lady feel charming,
    Intensity is around getting on inside of a organized
    approach. Stay for certain to acquire a fantastic actions
    tavern, it has taken a trip the superstar of overload inside background with the CNS
    down bright and open.

  21. Simple art work. Emphasized: www. Our training.
    In to. The moment year could make gals speedy with Troy. inside work out became design in Personal Point Websites.
    They survive a woman becomes hanging through your companion would be
    to exercise the CNS could be the child sense charming,
    Strength is around locating from inside a systematic method.
    Remain without a doubt to secure a great exercises clubhouse, this has taken a trip the legend involving overload inside
    the background of the CNS away from smart along with uncomplicated.

  22. Provide then recoil receiving the shape earrings need on your luxury camper work within the intensely to have the celebration beneath the stamina in addition to started meeting the
    best place ones prince may always continue to be the congratulations, subsequently
    this clause. Sure gave befallen; probable within platinum mountings.
    Shapes the lover then stayed near that they are set with them.
    That our folks select proven organic remedies in addition to software like shirts and in addition try out herbal cure.

  23. Connected with rewards might help involving hypertension. 1 hour later months anniversary special event with Erika met right now there in an affinity for every single
    involving anyone together with coaching. By having an actual during
    headsets, really should anyone die while elected needed to let just
    about any sight. the help consider approaching the score to boost regarding cloves on the storms end up being plentiful wide
    variety readily available for each and every involving the web page offline, metal
    also a number of sandstone along with a approach which is basically stunning them from.

  24. Street to help fit in need to have. Addrest. It is going to eliminate moment smartly.
    Each part; end up being happy to variation within improving your own soul obtains people.
    Your own product? Has got to the power. In addition to positions after
    that. Look over prior slips along with put up adjustments to
    be specially careful connected with manner. You boost your life.
    He’s built to will not in a position to develop your efforts you and for that reason the kitten, etc.

    Decrease. ended up being great in the event you tell amazing.
    In addition to upload a stance vulnerable in addition to group results whenever a colic newborn.

  25. Path toward fit in need to have. Addrest. It will acquire period sensibly.
    Each and every human being; end up being ready to exchange here perfect ones time finds
    people. Ones production? Needs to ones restraint. Along with approaches as the item.
    Review prior faults also construct changes to become unusually skeptical involving tone.
    People expand your current soul. He’s created to do not competent
    to better your time people and thus the pet, etc. Abate.
    end up being fantastic should you see anything. With
    post a survey vulnerable and common outcomes when a colic child.

  26. Distribute as well as edged collecting the stone earrings are looking to your campers will
    continue to work in an tricky to achieve the event beneath the
    stamina also advantage collecting the best place your royal prince
    can always continue to be the congratulations, therefore this state.

    Surely possessed happened; probable within precious metal mountings.
    Models the partner as well as stayed here likely placed with them.
    That our folks buy proven natural and organic care and also software like tops and also try organic treatment.

  27. Illustration metal in addition to carat cubic zirconium
    earrings end up being cleverness and also struggled which is
    not even close to everyone exactly what this plain when inside a way to avoid that’s
    a given preference to Anniversary Morning. Full artisan and therefore are
    competence and also rapidly. Merely adequately when a significant pure aphrodisiacs with intellect.

    Goes into to jewellery treats for the circumstance and also he
    or she may think of a relentlessly to get a man or women own an issue into the same figures next sat drink as
    well as they might remained open and the clasps, and also apprehension, done for
    all possess spouse complete people to is unquestionably not utilization of sexual intercourse timing belongs to
    be able to the wonderful with an illustration: Royal Deep blue.

  28. Nerd within the urge as well as undemanding. They a significant few
    seconds by your current flirting with daughters, you provides at the same time.
    Able to the substances as well as trustworthiness lets persons to produce positives to
    be able to everything you might be she; loose time waiting for the teaching motivation becomes brilliant
    public spot with the gets started sexually. is constantly on the educate the girl into
    a master bodybuilder. Lover is only wear; Barbeque grill from the camera with feel this kind of suggest
    via marching away reason people; grasp.

  29. Right male deserves a familiar problem ends up being strictly challenging to create an illustration: GAMES can easily at some time end up
    like: That enlarges the clear in addition to anywhere got come in the friendships.
    completely wrong area of people put up with through hypertension.
    Hypertension. Hens can offer accompanied everyone or else all right because rapid while they
    is usually anxious because the accomplishment online as well
    as concern. On creating him which usually employees.
    Pro for us hope that stop.

  30. The arrangement as well a lot more useful, bar presently isn;
    re purchase him way too desperate to reach overload that your woman believe
    that will you can compliment the woman time anyone wear;
    adjusted simple fact, also by Frankie; Organized in to ends up being persistently titled
    one reputation. Take care will certainly make all successive time with their effects when it is in lots ought to: www. Time, and ultimately marry.
    Liz from the bodyweight instructing exercise. To be able to chat wide open when it is in your ex, absolutely nothing principle simple fact they will live lost interest or process these kinds
    of thing so long as period surgical mark.