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Some time ago, I had a discussion with a senior Program Strata 1 (S1) Department of Economics, one of Private Universities in Jakarta. He asked some questions related to basic knowledge about the importance of protecting yourself with the various life insurance products.
Among some of his question, I chose one of the questions are quite interesting to see. The question is: "At what age a professional start protecting yourself with the various life insurance products?" I give her the answer is contextual, and the answer to that is what I will convey to you on this occasion.
Insurance Policy Priorities
Each man faces a variety of phases in the life of each with a different challenge. In terms of work or trying to, I categorize the phase of one's career into three stages, namely (1) Age 20 years, (2) age 30-40 years, (3) Age 50 years and over.
First, the range 20s. In this phase, you are in the category of the new workforce, and chances are you recently graduated from university bench. Pascakelulusan, you start looking for a job, then get your dream job, and then you get a regular income every month.
I assume that you are still single (unmarried) at the beginning of your career. The challenge you face in terms of managing the income is still modest, which is your attitude in dealing with routine personal expenses each month.
At the same time, you can start saving for anticipated needs in the future, one of them for the cost of marriage. Not rule out the possibility, if your income is sufficient, you can save for the allocation of the purchase of a house.
In the mid of this, you do not have great financial need. That is why I suggest to you to prioritize the purchase of life insurance policies that can protect your income (income protection). In addition, you need to ensure that the life insurance policy you purchased may protect you from unexpected events in the future, such as accidents or sickness.
Second, the age of 30-40 years. At this age, generally you are married and have kids. Along with the increasing demands and financial obligations should you provide for your family, you need to protect yourself and your family with life insurance products are proper.
In this phase, you should consider getting a life insurance policy protection in accordance with the increase of your earnings and increased financial obligations to your family. Concretely, in addition to life insurance policy you've got at the age of 20 years, you need to prepare yourself with a life insurance policy that contains elements of education cost savings for your children later in life.
Third, the age of 50 years and over. At this age, most children have completed your studies in Higher Education bench. they had been able to work and have their own income. At the same time, mortgage and your other financial obligations was nearly paid off and reduced.
It's time for you to review your insurance policy. Generally, at the age of 50 years, you will begin susceptible to illness and disease. That's why, you must complete your insurance policies with schemes 'long term care'. It will be very useful if one day you fall ill and you can not take care of themselves. In addition, you should also make sure that your insurance policy can provide benefits for your benefit at retirement.
Based on the three phases, it is important for you to plan a proper financial management so you can optimize your financial resources. You should be able to choose a life insurance policy that fits your protection needs, goals / plan your finances, and your tolerance for risk. Your accuracy in choosing the type of insurance policy that suits your age will determine the maximum protection that you get at a later date.
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