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Everyone would want the best life insurance. Just like with education, would also want the best education and quality. It is therefore not surprising that people interested in joining insurance will compare the existing insurance companies in Indonesia with each other. There are several benefits that can be obtained if the company is credible and listed in one of the list of the best life insurance companies. One is to avoid fraud. Insurance companies that are not credible and undeveloped are vulnerable to bankruptcy so that claims will be complicated, as opposed to choosing a credible and trustworthy company. Therefore for those of you who are looking for life insurance, refer to the list of companies with the best life insurance by Investors Magazine in 2017.
Prudential
Prudential is One of the nominees of life insurance companies who were crowned by investors magazine. Prudential is a life insurance company that was named the best life insurance first compared to other life insurance companies. According to Investor Magazine, Prudential has assets of more than 15 trillions, a huge asset for life insurance companies. From several assessment criteria, it is Prudential who has the highest score compared to other insurance.
Indeed, the determination of Prudential as the largest insurance company in Indonesia is not surprising. Prudential has a wide range of products that capture customers from various risks such as illness and death. Currently, Prudential has a wide range of life insurance products. Here are some of Prudential's life insurance products that are interesting for you to see:
1. Life Insurance
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Term life insurance is one type of insurance owned by Prudential. As the name implies, if this insurance will only protect the customer in a certain period of time only a minimum of 5 years. Products included in this insurance is PRULIFE cover and also PRUSAFE guard. PRULIFE cover will protect customers until the age of 99 years, while PRUSAFE guard will protect customers with a term of 15 years while the premium payment is only 10 years.
2. Traditional Life Insurance
Prudential has traditional life insurance with the traditional type where customers will get protection and fund management with low investment risk. The purpose of this insurance is able to meet the needs of customers in passing all the stages of life in its path. Benefits that will be obtained by customers who follow this insurance is to provide compensation if customers who are insured in the policy have died or experienced disability. Sum assured with age reaching 65 years with record of premium payment on time and there is no withdrawal before, and the last is the existence of premium holiday, so that customer do not have to pay premium at policy of 6.
3. Dwiguna
Prudential has dual purpose insurance. This insurance can be used as a savings and can also be used as an insurance that can used to cover various risks that can occur in the insurance policyholders. The product is PRUPROTECTOR Plan. The customer only needs to pay the insurance premium for 10 years then the protection will be obtained any for 10 years into the future. In addition to dwiguna, Prudential has a wide range of Unit Link life insurance. Unit Link is included in life insurance and also insurance related to investment.
Panin Dai-ichi Life
Insurance company owned by Panin once again crowned as one of the best life insurance in Indonesia according to Investor Magazine. In an assessment conducted in 2016, Panin Dai-ichi Life insurance became the second best life insurance after Prudential. The assets owned by Panin Dai-ichi Life are also quite large ranging from 5 trillion to 15 trillion rupiah.
Currently, there are two kinds of life insurance products from Panin Dai-ichi Life, Panin Premier Multilinked and Prime Crisis Cover. Consider the following explanation:
1. Panin Premier Multilinked
For products that Panin Premier Multilinked is Unit Link Unit life insurance. The insurance benefits that can be obtained by the policyholder is the benefits of death and also the benefit of the end of the insurance coverage. Privileges of Unit Link products owned by Panin Dai-ichi Life is able to protect the policyholder until the age of 99 years, the customer can determine their own top up to maximize the investment in addition there are many other benefits that will be felt by the customer.
2. Prime Crisis Cover
The second life insurance product owned by Panin Dai-ichi Life is Prime Crisis Cover. As the name implies, this type of insurance can be used to protect the life of the policyholder from 39 critical illnesses that can occasionally infect it. The specialty of this product is to protect the policyholder during the coverage period, providing the benefit if the insured in the policy suffers one of the 39 critical illnesses and many others. Benefits to be gained by customers are the benefits of maturity, the problem dies, the benefits of critical illness and also the benefits of permanent disability.
Adisarana Wanaartha
The third best life insurance type to be named by an investor magazine is the insurance of Adisarana Wanaartha. The company has been in operation for 42 years and has assets between 1 trillion and 5 trillion. Of course you wonder why this insurance can be crowned as one of the best life insurance. This is because the assessment such as audited financial statements, RBC at least 10 percent and not in the status of restrictions on insurance business activities has a pretty good value.
Adisarana Wanaartha In addition to being awarded by Investor Magazine, this insurance also won awards from The World Economic Forum, Economic Review, Infobank and many others.
Life insurance products owned by Adisarana Wanaartha are WanaArtha Life or Wal Invest. This product will provide attractive, safe and profitable investment options. Choosing this product will provide you with solutions when various uncertainties come crashing and various risks may come to you. In addition, this product will provide compensation or protection against customers who have an accident. In addition to life insurance, Adisarana Wanaartha also serves a variety of other insurance such as preparing for pension funds, preparation for better child education, family planning, insurance in business planning and many more.
Choosing an insurance company is a bother easy. If you choose wrong the impact is a difficult claim fund and an unclear fund flow. Therefore be careful before the insurance company before you decide to join the customer. If you really want to join a life insurance customer, you can become a customer of the best life insurance according to Investor Magazine 2017 mentioned above.
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