Selection of an Insurance Agent

All of us known that there are so many insurance products available in the market. So we get confusion in selecting the best insurance plan for you. So whenever we want to purchase an Insurance plan for ourselves, we always prefer to consult a good Insurance agent. An insurance agent plays an important role in choosing the right policy. He guides us to select the right policy from the numerous Insurance products.

But the main problem is how to select the perfect agent for you? To solve this problem, there are some tips that can help you in finding the qualified agents.

Contact Different Insurance Agents
An individual should contact the different insurance agents and ask their views on the insurance plans. You should select the agent that may help you in choosing the perfect plan for you. You should consider which agent is giving you the right advice.

Consider The Office Of Agent
You should also check in the office of your Insurance agent. You can ask him some customer references to cross check that why they like him. You can also consult your friends and relatives about the agent.

Ask for the proposal’s print out
Whatever you choose the plan for you, you must ask for all the printouts of the proposal which they offer you. These printouts may help you in comparing the different insurance policies, premiums and other benefits.

Check the Agent’s Grade
Some insurance companies provide rankings such as A, A+, A++ etc. of their insurance agent. These companies also conduct many competitions for them. These rankings may really help you in selecting the best insurance agent for you.

Always Remember Your Requirement
Some insurance agents can force you to select the product that may give them the best commission on selling the product. But you should consult the person who really understands your problem and gives you the perfect guidance.

So these are the factors that one should consider before selecting an Insurance agent. I personally advise you that choose the right person and get the right insurance plan for you.

Aig Looking to Divest Division

Money Morning Staff Reports

Embattled U.S. insurer American International Group Inc (AIG) is looking to sell its Hartford Steam Boiler Inspection and Insurance Co. unit to Germany’s Munich Re Group AG, the world’s second-largest reinsurance company, a source familiar with the negotiations told Reuters yesterday (Sunday).

The unit could fetch between $700 million and $1 billion, Reuters said. The Washington Journal said the price being talked about is actually in the range of $1.2 billion to $1.5 billion. The negotiations are continuing and the timing of any deal is unknown.

AIG, which bought Hartford Steam Boiler, or HSB, for around $1.2 billion in 2000, is under pressure to sell assets around the world to pay off a huge government loan. The U.S. government saved AIG from bankruptcy in September with a rescue plan that has since ballooned to about $152 billion (the government had to boost the value of the bailout package back in November after the company deteriorated faster than had been expected). AIG has several years to repay the loans, but the company is trying to sell businesses as quickly as possible, both to free itself from the interest it is paying to the government and to avoid further deterioration in the value of its assets.

That is forcing AIG - which has 74 million customers and 116,000 employees in 130 countries - to shed or sell stakes in units globally. AIG said in October that HSB would be among the assets it would sell to repay the federal government. In fact, the Hartford Steam Boiler deal would actually be AIG’s first major divestiture as it seeks to repay as much as $60 billion in loans that it received as part of the September government rescue package, sources familiar with the situation told The Wall Street Journal.

However, as AIG moves to sell assets to repay the loan, it faces the twin challenges of its own weakness and the global credit crisis, which has made it difficult - if not impossible - for interested suitors to obtain financing for buyouts or other high-dollar projects.

Hartford Steam Boiler insures steam boilers around the world. It also offers inspection services and engineering consulting. It provides insurance for a range of risks, including insurance to cover the cost of lost business and the cost of needed repairs when equipment breaks down. The company was founded in 1866.
Founded in 1880 in Munich, Münchener Rückversicherungs-Gesellschaft AG, or Munich Re, provides reinsurance coverage to traditional insurance companies in 150 countries, for everything from oil rigs to satellites and hurricanes.

AIG shares closed Friday at $1.60 each. They’ve traded as high as $60.04 in the past 12 months.

Individual Insurance Products

Professional Doctor (Doctor's Professional Liability)

Doctor is a very noble profession because it helps treat many people. But apart from that, they also have been wrong malpraktek an accused can be charged in the financial.

Therefore, Allianz provide protection solutions for medical profession. Form of compensation to the complainant who is less satisfied, and also to fund the cost of litigation.

House

Fire Insurance

For human life, fire is very useful but also can be dangerous. For your convenience, the solution provides Allianz fire hazard protection. This is a very flexible product that can be adapted to your needs, ranging from the standard program to a wider again.

This product is made in accordance with the Insurance Council of Indonesia. And this product can also be expanded with the added benefit of:
*
Unrest, demonstrations, damage due to crime, terrorism and sabotage
*
Flood, storm and water damage
*
Earthquake, tsunami and the mountains erupt

My house - Home Insurance

It is a protection program for the residence. Allianz to ensure that you get financial compensation for the loss of your property.

This product provides comfort in the face:

*
Fire, lightning, explosion, riot and demonstration
*
Damage due to crime, damage by water and also theft

Remove your fear and live more comfortably.

Theft Insurance

What will you do, at a sunny Sunday morning, the door of your house demolished with the force?

With insurance products of Allianz theft, you only live telephone to Allianz and our employees will come to help you with all the needs immediately.

We will replace all the losses from all the damage this pembokaran force. Television, radio, stereo, microwave, Toaster, silver and equipment from the house all equipment covered by this product.

Property All Risk Insurance

Protection solution for your residence with only a one-time pay.

Lindungilah your home from the danger of fire, lightning, explosion, water damage, earthquakes, mountain erupt, tsunamis, floods and theft.

Package special - Places to stay

Do you have limited time to choose the right insurance protection? No need to trouble again, this product is right for you.

Dibawh find in this product:

Insurance houses that expanded the protection to the sabotage and terrorist premium is appropriate.

Fire Protection Standard or Property All Risks (all risks), which also gives protection to the riot, demonstration, damage due to crime, as well as the mass of the commotion, and terrorist sabotage.

Protection

Only one thing is for sure, that is uncertainty. Although we are very careful, accidents can happen any time. Are you ready to face the risk and let the people who loved mengalaminya? Allianz to provide solutions to overcome the possibility of accidents that are not expected. Our products, providing protection Proteksiku loss of income due to death, disability resulting from the accident and treated at the same time cost.

Travel

under construction

Personal Effects

under construction

Car (My Car)

Silver Cars

Silver car is motor vehicle insurance products specifically created to provide maximum protection for your vehicle with a competitive premium levels. This product provides protection from a wide unrest, demonstrations, mass commotion, disaster, terrorist and sabotage, a third-party liability, flood protection and also for the lives of drivers and passengers involved in an accident. Enjoy the comfort of driving on the road with mobilku Silver.

Protecting a car with a fixed premium up to 10 years and 12 years specifically for the extension of policy to the protection of:

*
Comprehensive (full) or Total Loss Only
*
Strike, Riot, Civil Commotion, Terrorism & Sabotage (SRCCTS)
*
Natural disaster, including flood
*
Liability of third parties (TPL) / passenger legal liability (PLL)
*
Accident for the driver and Passenger
*
Medical costs due to road accidents

Gold Cars

Cars Gold provides the protection of your car with a competitive premium levels.

Protection of the car ranging from 500 million to 2 billion rupiah for 5 years with a fixed premium and can be extended to 7 years with the protection of:

* Comprehensive (full) or Total Loss Only
* Strike, Riot, Civil Commotion, Terrorism & Sabotage (SRCCTS)
* Natural disasters, including floods
* Third-party liability (TPL) / passenger legal liability (PLL)
* Accidents for drivers and Passengers
* Medical costs due to road accidents
* Cost of an ambulance
* New to Old to TLO
* Facilities salvage and control

MOGE

This product is designed to accommodate a special hobby you will be as big motorcycle Harley Davidson. We understand your need to protect this valuable goods, to create the Allianz Mogeku with complete protection from accidents, demonstrations, commotion, and terrorist sabotage and accident benefits and obligations of driving a third party.

Insurance products of SMEs (Small and Medium Enterprises)

Business

Effort to provide comprehensive insurance protection against basic risks (fire, Thunderstorms, explosion, falling aircraft, smoke, riot, and the damage caused by the demo), theft and earthquake with a full benefits of business caused by the primary risk.

Insurance is up to the insurance money to Rp.10 billion from asset business Small and Medium Enterprises, the building includes first class and covers, furniture, stock of merchandise, raw materials and machinery used in offices, shops, private warehouses, stalls and telecommunications (school and warnet), barber, and many other private business.

Businesses can protect up to a maximum of 10% of the total insurance money to cover losses or kerusakkan because of the risk up to a maximum amount of insurance money 100 million.

Efforts include additional protection such as general liability limit with 10% of the total insurance money Rp.100 million and a maximum death benefit to be paid when the accident occurred in the assumption of certain limit with 10% of the total money guarantee maximum Rp 100 million.

This insurance can also be expanded with the others such as, loss of money in the safe (up to a maximum indemnity Rp.10 million), goods private employees (change-up to a maximum loss Rp.2, 5 million), business data and manuscript (change-up to a maximum loss Rp.5 million) and removal of the original (maximum 10% of the total insurance).

Insurance is once again proves that Allianz is committed to strong in Indonesia because we understand what the economic conditions, business of Small and Medium Enterprises should be well protected with the protection and ready to protect Allianz.

Office

Size for small and medium size, everything is a valuable asset for protection. Of electronic equipment, furniture and jewelry to your office in particular is a reflection of self-productivity of your business.

What's important for you, whether it is important to Us. You do your business with the maximum ability, and we will protect and maintain the sustainability of your business insurance package with office.

Insurance Office offers insurance protection against fire, lightning, explosion, falling aircraft, smoke, chaos, demos, storms, floods and theft.

Corporate Insurance Products

Trade Credit Insurance

Trade Credit Insurance ( "Credit Insurance) is insurance that provides protection to the top of your losses caused by traffic jams debt (bad debt) on the sale of goods or services.

Companies that sell goods or provide services of domestic and export markets ( "Insured") is always at risk of debt jammed. Credit insurance offers net for Insured will give the loss due to traffic jams in debt.

Credit risk is the risk of not dibayarnya receivables by customer / buyer who does not appear when the payment is done before or at the time the goods delivered or services performed.

Property Insurance

Industrial all risks

This policy change Insured losses if the insured property situated in the geographical area and across physically lost or damaged. This insurance will replace the Insured losses if the business has been set or conflicting.

Business interruption

This policy is designed for all industrial and commercial business for insurance against loss of income as a result of the risk.

Consequential Loss Insurance

This policy is to pay costs that often occur in connection with the disruption of trade to reduce the losses during the period of interruption.

Householder

This policy is designed to provide protection with the responsibility to stay in place. May also be issued to protect the property within the hotel, club, and house rent.

Loss of Profit
This policy change Insured losses for loss of profits and / or increased costs as a result of the disruption that occurred karna damage and increase fire risk policy.

Engineering Insurance

Erection All Risks

Area Engineering Insurance offers adequate protection against the spread and all the risks involved, test and control machinery, steel structures and everything about the factory.

Constructor's All Risks

Contractors' All Risks offers comprehensive and adequate protection against loss or damage to the bulk work, construction machines and / or equipment and factory construction. Also offered protection against third party damage to the goods or injury incurred in the execution of development or civil engineering projects.

Machinery breakdown

Machinery breakdown offers protection that unexpected and sudden damage to the machinery, plant or equipment either in the workplace as well as rest and maintenance, inspections or shift position. This will remove the harm and damage that gradually from all causes, which can be presumed.

Electronic Equipment

Risk and to protect the loss or damage to objects such as telephone systems, data processing equipment, electronic installation.

Select Insurance Company tips

When someone wanted to insure property, many are confused: the company which bonafid and reliable. Tips-tips below can help you find the right insurance company!
Communities in countries such as USA, UK, Japan and Singapore, almost does not have any problem looking for a credible insurance companies. For, there is no ranking.

Companies that BONAFIT and liquid capital, rated triple œAâ € â €? (AAA) and under â € œBBBâ €?. Companies that are in the center median, assessed œCCCâ â € €?, And that is â € ~ gawatâ € ™ condition rated œDDDâ â € €?.

Rank this of course can be trusted because it is done by independent institutions. Institutions that create a ranking based on three categories, namely: the company's financial condition, ability to pay claims and the quality of service provided. Two institutions is quite influential Standard & Poorâ € ™ s (S & P) and AM Best. Reputation of these two institutions are well known throughout the world and serve as reference in selecting an insurance company.

Unfortunately, ratings agencies such as the S & P and AM Best, has not been much known in Indonesia, so people who want to berasuransi, must try and find your own company information that will be followed. For the general public, this is of course difficult. Not only because the information required is not available, but also when available, they are difficult to analyze.

To help choose an insurance company, under this we say a few references that could be used. This reference is of course not be multak, but a perspective.

1. Premium

Many like to buy the product because the price low. This certainly can not be applied in the insurance, the premium (price), which correlates closely with the cheaper inability to pay claims. So, if there is an agent or company that offers a low premium or discount is high, do not immediately tempted. Try to compare it with quotes from other companies. Keep products with the requested terms and conditions, so the comparison is made more comparableâ € ~ â € ™.

2. Big-small company

Could not be denied, the organization with a large number of branches that are scattered everywhere, often also serve as the criteria of selecting the company underwriter. However, this consideration is not relevant anymore, because in fact many large companies (konglomerasi) collapse.

3. Financial reports

The best way is to analyze the condition of the company through financial reports. Now, the laws already require insurance companies in the financial reports of the mass media, so the community can monitor the company that would follow. The problem is not everyone can analyze the balance sheet keangan.

However, if this is the only information available, it is important to consider the conditions and underwriting its operations. Company is good, of course, shows the profit on both. Complexity, not all insurance companies have a financial statement like that. In addition may be underwriting loss in the report indicates, and that does not mean that the financial reputation of the company's ugly. Therefore, it should be also seen its operational side. Despite the underwriting loss, when the overall hit show, the company's financial performance is still quite good.

4. Management

The people who sit in positions of management companies, can also be used to assess the credibility of an insurance company. When sitting in the top management is the people who have high credibility and a professional in the field, then we can believe and trust that the company is indeed reliable.

Other indicators are reinsurance companies that support the company. Reinsurance company is a company that provides services in response to the risk of re-faced by the insurance company. Generally, insurance companies reinsure the risk borne by the reinsurance company. In this case, the strength of insurance companies is also seen from the way they mereasuransikan risk. So things to note is, if the reinsurance company that has used the ranking official or not (for example, from the S & P).

5. Information from a friend or colleague

Ways the easiest and most secure is to ask friends or acquaintances who know about the reputation of certain insurance companies, especially those who have been so policyholders. Through them, we can know how the condition of the company.

6. Broker (Broker) insurance

You can also come to the company's broker (broker) insurance. Company broker is a company that provides services in keperantaraan closing and settlement of indemnity insurance to act for the purposes of Insured. The beginners who want berasuransi also many who take advantage of this service broker. However, not infrequently also broker company was founded by insurance companies, so their attitudes may be less objective.

7. Pemeringkatan yan made magazine

Magazines often pemeringkatan to do with the insurance companies consider these categories as important, the company's financial condition, ability to pay claims, and other-lan. Pemeringkatan this can also be a reference in the early BONAFIT consider an insurance company. Because pemeringkatan been done and done by independent experts of the field. However, they are usually only focused on unsure keuanganyannya only.

Solve the problem occurs when the dispute

Insurance business conducted on the basis of trust, however, disputes sometimes arise between the Insured (policy holder) and the insurer (insurance company). Source of conflict or problems can be manifold. There is a dispute in sebabkan policy mistake in the interpretation and also because there pelaksaaan disavowal of the contract agreement.

In the insurance policy is listed clause-a clause on how to complete the set of disputes arising. Persilisihan going through can be several ways, such as consensus, arbitration or court. But, any way you located, there is always the work and also the time period penyelesaianya. Procedure described below penyelsaian conflict.

1. Musyawarah

When a dispute arises in any case by sebabkan, then the first must be arranged by the two sides is how to solve them with the consensus or peace. Musywarah means that there is dialogue. â € œSemua problems could be resolved through dialogâ €?. This is not just a blank expression! For through dialogue, each party can express keberatannya reasons and also to hear the other party, so arise the same understanding.

Understanding of the same will produce a mutually beneficial agreement of both pihak.tentu only perdamain or through a settlement conference will be more satisfying parties hostile.
Settlement through perdamain no time limit. Typically, disputes are resolved the old 60 (sixty) days of the case, since that is one of the party states in writing the top-sepakatan the dipersengkatan. If the dispute can not be resolved through discussion, the parties can solve them through the dispute arbitration and the courts.

2. Arbitration

Arbitration is the settlement of the business with the help of mediator or referee. Insurance settlement of disputes through arbitration is common. If arbitration is already decided, the settlement via the court automatically fall, because the arbitration is final and binding.

Checking on the dispute by this board must be completed within a maximum of 180 days since the Ad Hoc Arbitration council form. This limit can still be extended with the agreement of the parties dispute.

Termination of the Ad Hoc Arbitration board are final and have the power law remains binding Insured and insurer. When one of the parties refuse, then the other party may request the head of the District Court in the area of law where he lived termohon decision to implement. Cost settlement through arbitration are shared by both the parties dispute.

3. Court

Alternative solution that may be implemented is through the courts. If the problem submitted to the court, the hakimlah who will decide these things. In this case, there is no limit of time and all depends on the board of judges to handle the matter.

The position Tawar Strong Customer

Rising Act (Act) No. 8 / 1999 on Consumer Protection to provide assurance that the rights be more Insured. Consumer complaints has now been missed with the presence of Law Number 8 Year 1999 on Consumer protection. Law made in the spirit of this reform, in addition to providing protection to consumers, they also put in a bargaining position stronger.

Based on this Act, consumers have the right to request information of all things that will be in diperjanjikan insurance, and as the â € ~ produkâ € ™ seller, insurance companies must be prepared to explain the content and meaning of contract in the policy to consumers truly understand it. Against the consumer if the product or service user â € "who felt aggrieved because the product / goods or services they receive does not match that diperjanjikan or, as appropriate, the law is that they have a guarantee or indemnity compensation.

In this Act be the consumer rights to obtain the correct information, clear and honest about the condition and security of goods and / or services dibelinya, and the right to hear opinions and keluhannya up goods or services used.

Many of the rights stipulated in the law so that consumers increasingly strong position. As a party that promised, Insured and the insurer has a position equal and none is below and above. The rights of the other be in the Law No. 8 / 99 are:

* Rights on the comfort and safety in consuming goods and / or services
* The right to choose the goods and / or services, and obtain goods and / or services in accordance with the exchange rate and the condition and guarantee the promised
* The right to get advocacy, protection and dispute resolution efforts should be
* The right to obtain guidance and consumer education
* The right to be treated or managed correctly and honestly and not discriminatory
* The rights stipulated in the provisions of legislation other.

Thus we review the article at this time, I hope to add insight to your berasuransi and help you choose the company that BONAFIT and can be held promise. Congratulations berasuransi. n

Taken from Harian Umum Sore Sinar Harapan rubric FINANCIAL PLANNING. This rubric diasuh by the School of Life Indonesia (ISOL) ie Andrias Harefa, Sembel Roy, M. Ichsan, Heru Wibawa, and Parpudi Lubis

Insurance Open version Infobank

Jakarta - InfoBank Magazine released back rating on 130 insurance in Indonesia. Rank is based on the publication of financial reports with the 10 criteria.

Ten criteria are RBC, liquidity ratio, the ratio of technical reserves with current assets, the ratio of premiums to the premium reserve Retention own, gross premium income changes, the ratio of premium Retention own with their own capital, the ratio of investment to the technical reserves plus debt claims, the ratio of net claims expenses with the net premium, the ratio of the burden of income with income, and the ratio of profit to the average of their own capital.

Thus presented by the Director of Bureau of Research InfoBank Eko B. Supriyanto in Insurance Ratings 130 version InfoBank Year 2007 in the Hotel Sahid Jaya, Jakarta, Selas (3/6/2007).

Based on these criteria, the company that obtained a predicate "very good" with a gross premium Rp 1 trillion to among other top of the first PT Prudential Life Insurance, both Life Insurance Manulife Indonesia, and PT Asuransi Jiwa third Sinarmas.

And for life insurance companies with gross premiums Rp 200 billion to Rp 1 trillion, with the predicate "very good" is the first Cigna Insurance, AXA Financial Indonesia second and third Astra CMG Life.

"For a premium brutonya below Rp 200 billion and the predicate" very good "is the first Family Takaful Insurance, Life Insurance Bumiarta second and third Reksatama UOB-Sun Life Assurance," added Eko.

Meanwhile, the rating for the company's general insurance premiums with Rp 200 billion to the top and berpredikat "very good" among others, the first Adira Dinamika Insurance, Zurich Insurance Indonesia, and insurance Jasaraharja son.

While the premium brutonya Rp 50 billion to below Rp 200 billion with the predicate "very good" is the Tugu Kresna Pratama, Asuransi Samsung Tugu Insurance and Nipponkoa Permata Indonesia.

"For a premium brutonya below Rp 50 billion and preikat" very good "among others Bhakti Bhayangkara Insurance, General Insurance and Arthagraha Insurance AIOI Indonesia," he said.

In rating this there is only one life insurance company that berpredikat not good, and 9 have a general insurance company berpredikat not good.

"But there are 3 life insurance companies that do not issue a financial report, while the 5 insurance companies that do not issue public financial reports or financial reports is not complete," he added.

According to the portfolio's actual investment, insurance companies in Indonesia have been the better strategy is chosen.

"Investment in deposits by insurance companies as much as 20.53 percent, lower than the investment in shares and bonds which is 23.47 percent and in securities issued or guaranteed 23.25 percent of the government," he explained.

Meanwhile, mutual funds investment kucuran obtain insurance equal to 13.9 percent, followed by direct inclusion of 3.3 percent. (dnl / Qom)

Rev. Daniel - detikfinance

Hukum Asuransi

1. Social Insurance
Social insurance is allowed with conditions as follows:
1.1. Social insurance is not included mu'awadlah contract, but is syirkah ta'awuniyah.
1.2. Organized by the Government. So if there is loss borne by the Government, and if there have been returned to the interests of the community.

2. Insurance losses, allowed to meet with the requirement if the terms are as follows:
2.1. If insurance losses are the requirements for objects that become bank collateral.
2.2. If insurance losses can not be avoided, because the related provisions by the Government, such as insurance for goods in the import and export.

3. Insurance law forbidden except when fulfilling the following conditions:
3.1. When life insurance is the element of saving (savings).
3.2. At the time the cash premium, the Insured beniat to lay there on the insurer (insurance company).
3.3. The underwriter bemiat save money belonging to the Insured savings in ways that justified / Syariat Permitted by Islam.

3.4. If before the maturity date has been agreed between the Insured and the bear, as has been mentioned in the policy (letter of agreement). that require the insurer is (the purpose of emergency) savings, the Insured can take or mcnarik kemballi amount of money from the deposit insurer and the insurer is obliged to submit the amount of money to him.

3.5. When at a party when the Insured can not be forced to pay a premium, then:
3.5.1. Premium money is debt that can be by the Insured at the time-time premium payment of money the next.
3.5.2. Relations between the Insured and the insurer is declared not to drop out.
3.5.3. Savings does not belong to the Insured stated scorched by the insurer.
3.5.4. Before maturity when the Insured dies, the heirs are entitled to take a number of money saving, while the insurer is obliged to return some money.

4. The musyawirin support and approve the establishment of Islamic Insurance.
5. Before the achievement of common goals terwajud Insurance Islamic system of insurance that should have this fixed now with the elements that are, so that the guidance does not conflict with the teachings of Islam.

Written by hafidzi

The Insurance

Insurance can be described simply as a mechanism for transfer of financial risk from one party to another party. Natural means can not risk going on but your financial risk that arises as a result it is natural that by the insurance company. Usually bear the financial risk should be incorporated. Why? Because the necessary institutions that can be trusted to have a mechanism to pay claims when losses occur. Of the role of government is very important as determining what the company can bear the insurance risk.

Before more about the insurance, it's good you know the definition of insurance according to insurance law in Indonesia. This definition are listed in the Law of the Republic of Indonesia Law No.2 of 1992 which read:

"Insurance or guaranty is an agreement between two or more parties, with which the insurer tie themselves to the Insured with insurance premiums, to provide reimbursement to the Insured for any loss, damage or loss of the expected benefits, or legal responsibility to third parties who may be Insured suffered, arising from an event that is not certain, or to provide a payment based on life or death that someone be "

This definition further clarify the purpose of insurance than the existing definition in KUHD Article 246.

by Created : Gardakita.com