Online Insurance Corner

For most people gardening is not an easy activity to do, some attention, patience and extra care are the things that cannot be denied. Although many organic crops are sold in supermarkets, but most people think twice to make a purchase, because the price of organic vegetables is quite expensive compared to the usual vegetables, although a number of benefits of organic crops be a plus while the current crops with pesticides are already becoming obsolete because it is dangerous to the body.

That is why garden experts try to find practical solutions from a variety of constraints experienced by the city. Now you can garden with limited land by creating grid size of 2 to 6 meters boxes for the media that are usually called raised garden beds to grow vegetables. All you need is a box made from wood, plastic, or metal that is durable. Then the compost from waste plants, worms to fertilize soil, and clay that has a texture so that the hollow plant roots are able to breathe and can get the maximum amount of water absorption. Avoid the use of sand and clay, because the sand does not bind water so that water intake needed by plants is not absorbed well, while the clay is solid so that plant roots cannot breathe and the water buildup will occur on the roots that will affect plant growth. Avoid using pesticides because the use of pesticides can harm the body, which percolate through the root of pesticides that will pollute the ground water, so that it will harm the human body if swallowed. Another thing that is harmful from pesticides is that dangerous pests will be immune to certain pesticides and will increase pesticide resistance if done continuously. Natural enemies of pests are frogs. The use of pesticides will also kill the frogs and worms that are very useful for plants.

We all have known that insurance product is one type of risk management that should be owned by those who want to ensure the welfare of their entire family member. Among many insurance products that already available there, plan your funeral with the help of insurance product is also good option to be taken since it can give a guarantee even though you are not able to work anymore. Such insurance to help you planning the funeral can also be purchased easily through particular online source. To be more exact, you need to visit one website located at Finalneedsplanning.ca.The website representing a Canadian insurance company which was designed to help people managing effective cost as well as planning “supplement” for survives purpose. So in essence, you can still feed your entire family members though in fact you are not able to work anymore. It is, on the other hand, important decision that should be performed by those who really care about how their family might run the life. An insurance product provide by funeral planning surely will serve all needs in time when financial crisis hit the entire family of policy holder.

So in the end, it is good for us that there is slightly assistance which comes under the form funeral planning insurance. You might underestimate this type of insurance, but however, this is one thing that must be owned especially if you really concerned about your family.

Some time ago, the heir H Muh Saleh Sattu (Alm) is at once the policyholder numbers BLM00000171-B-Life Multi-Link and BOM00001023 Optima B-Life Medical, feel how hard it is to claim insurance.

Starting during May of 2007, Saleh H Muh Sattu (before death), visited one of the agents / marketing BNI Life insurance companies to offer life insurance services. Then, H Saleh agreed to participate in the insurance services that are at once sign the Letter of Request for Life Insurance (SPAJ) are accompanied by payment of premiums.

After payment of premiums for two months, H Saleh suddenly died in June 2007. As the designated heir was his wife Saleh H, Hj Muliaty. He then filed a claim B-Life Multi-Link and B-Life Optima Medika to BNI Life companies. However, the insurance claim was rejected on the grounds, the prospective insured does not list the correct data about medical history.

What is experienced Hj Muliaty, can be also experienced by other insurance consumers. Processes involved when making an insurance claim, insurance has become user complaints recently.

Under Law No. 2 of 1992 on Insurance Business Article 1 paragraph (10), outlined, “insurance agent is a person or legal entity whose activities are providing services in marketing insurance services for and on behalf of the insurer”. That is, if the implementation of product marketing services to be offered to the prospective insured, it shall all the terms and rules of the game should really be delivered agent / marketing as understanding as well understood by the insured. Read the rest of this entry »

“Insurance is easy to, but to claim it is hard”, “It is the premium paid over two years, so the claim not be paid”, or “Gee, I mo claim, but it is complicated, passed here and there”. Maybe there’s a small part of your minds, so you do not want to take an insurance policy.

The claim is a right which is actually received by each customer’s insurance. And of course the insurance company will pay the claim, the liability of the customer are met. Let us consider the mechanism of Claim, in order to claim you must pay. And of course you are still antipathy / deny insurance to be open-minded, so soon have the insurance policy.

The purpose of the claim is to provide benefits in accordance with the provisions of your policy. So that claims can be processed and paid, pay attention to various important provisions regarding the filing of claims.

Before filing a claim, make sure you have the benefits that match those listed on your policy. Example: You only have life insurance only, it automatically if you file a claim hospitalization, certainly not the insurance company will pay the claim. So go back and check your insurance benefits that have been taken, make sure you have insurance that will benefit you claim.

You must also ensure that your policy is still in a state Inforce / valid / active. So that you are always in a state policy Inforce, make sure you make a payment / transaction on a regular basis (especially in the first two years, do not there are missing).

Make sure also, Your policy is not in a waiting period. That is the waiting period is the period of entry into force of your insurance protection. Example: for the protection of hospitalization due to illness, such as: diarrhea, dengue fever, urinary tract infections, typhoid, etc.. Waiting period is 30 days after the receipt of a customer with insurance. Remember also that the requirement for a claim usually must undergo hospitalization, could at least 1 x 24 hours or 2 x 24 hours.

To you who use the card, immediately Number to Number listed in the card, in order to process more quickly, or immediately contact your insurance agent. It’ll help him.

If you’ve ever policy lapse, make sure when submitting a claim, your policy is not within the waiting period as well as having certain exceptions. Read the rest of this entry »

There are dozens of insurance companies in Indonesia which offers a range of protection and care of your vehicle but not necessarily their service will be a maximum of your favorite vehicle, so the driver should really know the insurance company a suitable vehicle for your company.

Lawrence Pranoto Iwan Sutanto, Head, Marketing Communications & PR PT. Astra Buana Insurance, a company that houses the company Garda Oto gives some tips for drivers before choosing an insurance company vehicle.

“Each candidate must fully understand the insurance policy and choose insurance service really needed your vehicle,” he said while attending the Indonesia International Motor Show 19th in the JI Expo Kemayoran, Jakarta.

First, the driver must know the insurance company must be credible, have a good track record, has a good financial report and have a driver’s complaint center.

Second, insurance companies are ready to receive complaints in real time, it can be seen by how many insurance companies have a complaint container driver.

“Garda Oto has a call center 24 hours, facebook account, email and sms so that gives plenty of options to customers to complain and ask about insurance,” he said.

Last but not least, customers should know how many vehicle insurance companies have agreements with local garages to anticipate when a sudden accident and perform routine maintenance.

“Garda Oto had 300 workshops in Indonesia and half in Greater Jakarta,” he said.

Iwan confirms the customer must know whether the workshop was to give the original spare parts and provide warranty after the repair.

“We always provide genuine spare parts and post warranty service,” he said

Every year, many universities continue to bear the new graduates. Their expectations are to get the job according to the field of education and income compensation was adequate. In fact, competition is fierce to get a dream job has always experienced by each of the new workforce.

As one business entity that continues to grow from time to time, the insurance industry requires a supply of professional manpower for various needs. Administratively, life insurance companies require professional personnel to support operations in the back office system. On the front lines, the life insurance industry also requires labour supply ‘fresh blood’ for a position as a professional insurance agents.

Choice of Profession
Currently, various circles who works as a life insurance agent in Indonesia only reached 150 thousand people. When compared with the total population (220 million), the number was still too small to cover the market potential of life insurance products in Indonesia.

Concretely, an agent must accommodate at least 1480 people. In comparison, Malaysia has 78 thousand insurance agents of the total population numbering 26 million people (1:330).

In order to promote awareness of insurance and life insurance stretching growth in Indonesia, industry and the association expects the number of insurance agents as much as 500 thousand people in 2010. This quantitative accretion of course must be accompanied by an increase in the quality of service to the community.

This condition is a great opportunity for new labour force to pursue the profession as a life insurance agent. Several times a Top Agent Award event organized by the Life Insurance Association of Indonesia (AAJI) led to the positive impression that the insurance agent is a profession that could be a prospective option for young professionals. At least there are three main reasons underlying assumption. Read the rest of this entry »