2 Kinds of Teaching / Education Insurance
As explained above, the teaching insurance has 2 kinds of alternatives namely endowment insurance (endowment) and unitlink insurance. For more on let us discuss one by one:
1. Teaching / Dual Life Insurance (Endowment Insurance)
The first type of teaching insurance is the type of dual purpose insurance (endowment)
Dual insurance is one type of traditional insurance and of course has existed since the first.
Teaching insurance products at the start of sale in Indonesia, always use dual-purpose insurance.
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Dual-purpose insurance products do not use the way of investment, so profit for teaching funds obtained the numbers have been bright. Generally smaller teaching fund points compared to unitlink insurance.
As one of the figures of dual-purpose insurance products (read disclaimer): BRINGIN DANASISWA owned by insurance company BRINGIN LIFE.
Product description:
BRINGIN AND STUDENTS
Composed between:
Savings and death due to accident, severe illness and severe disability, until can not be cured
BRINGIN DANASISWA
provides protection to parents of father and mother or the baby.BRINGIN DANASISWA
provides the level of teaching fund (TDP) matches the stage of teaching the baby.2. Unitlink Insurance Teaching
Insurance teaching the second type of unitlink type.
Which is essentially the same as with unitlink insurance at the usual. The difference is that if you buy unitlink, generally the investment profit will be taken along with the disbursement of sum insured.
In unitlink teaching insurance, investment profits are taken in line with the time to pay for teaching rates.
So arguably more flexible, because the investment unit at any time can be disbursed.
The downside is investing in because there's no guarantee of profit. As one of the figures of dual-purpose insurance products are: MANDIRI SEJAHTERA CERDAS INSURANCE owned by insurance company AXA MANDIRI.
Product Explanations:
In every product have the freedom to determine the amount of premium and sum assured to be paid right.
Investment is managed by an investment manager and has a loyalty bonus.
Loyalty bonus will be given at the end of the 5th year and every policy anniversary.
Have a variety of investment funds that match the risk profile.
My Financial Comments:
If you compare it quickly with the Endowment Insurance product, you will observe what the difference is when the offer.
In Asuransi Mandiri Sejahtera Cerdas, more emphasis on optimum investment returns. One thing that should be remembered, unitlink teaching insurance products, this consistently contains risks.
The calculation of investment returns will be calculated using the assumption of growth of 18% per year.
decrease, even less than the points of funds invested depending on the presence or absence of a guaranteed component of benefits.
Choose Insurance Teaching Endowment or Unitlink Insurance Teaching
Alternative back to your needs, we can not say one product is better than the other products. Each financial product must have advantages and disadvantages of each so choose the products that you need it.
Maybe that's all I can convey to you may be useful and can help you-you.
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