Sesimpel Ini 8 Tips Dapat Premi Asuransi Jiwa Murah Meriah

Asuransi jiwa merupakan sebuah cara untuk mengurangi dan membagi beban risiko serta memberikan perlindungan ekonomi pada keluarga apabila terjadi musibah yang mengakibatkan pencari nafkah meninggal dunia. Fyi, kamu bisa loh mendapatkan premi asuransi murah!

Asuransi jiwa memiliki peran yang cukup penting agar keuangan keluarga tetap dalam kondisi stabil meskipun pencari nafkah sudah tiada. Maka dari itu, dalam melakukan perencanaan keuangan, tidak sedikit orang terutama yang berperan sebagai pencari nafkah memasukkan asurasi jiwa ke dalam susunan perecanaan keuangan. 

Lalu, bagaimana cara memiliki asuransi jiwa yang sesuai dengan kebutuhan kita? Jika Kamu belum memiliki asuransi jiwa dan ingin memiliki asuransi yang sesuai dengan kebutuhan dan keuanganmu, simaklah tips di bawah ini agar Kamu mendapatkan asuransi jiwa dengan premi rendah. 

Baca Juga: Sesimpel Ini 5 Manfaat Asuransi Perjalanan

1. Ikut program asuransi jiwa sedari muda

Jika saat ini usiamu di bawah 30 tahun dan sudah memiliki tanggungan, maka hari ini adalah saat yang tepat bagimu untuk mulai mendaftar dan memiliki asuransi jiwa. Biasanya harga atau premi untuk asuransi jiwa yang Kamu beli sejak muda cenderung lebih murah daripada membeli asuransi jiwa saat tua atau mendekati masa pensiun. 

2. Ambil asuransi jiwa term life

Asuransi jiwa berjangka atau asuransi jiwa term life merupakan asuransi jiwa di mana proteksi yang di berikan berdasarkan pada kontrka atau jangka waktu tertentu. Kontrak yang di tawarkan asuransi jiwa berjangka bervariasi, mulai dari 5 – 20 tahun tergantung kebijakan perusahaan asuransi. Jika Kamu memilki dana yang minim, maka asuransi ini akan sangat sesuai dan menguntungkanmu lho!

3. Menghindari asuransi jiwa seumur hidup

Asuransi jiwa whole life atau seumur hidup merupakan jenis asuransi jiwa yang memberikan perlindungan atau proteksi kepada tertanggun seumur hidup. Meskipun terdengar sangat menguntungkan, nyatanya premi yang harus di keluarkan cukup besar karena jangka proteksi yang panjang. Hal ini tentu akan sangat boros apabila di bandingkan dengan asuransi jiwa lainnya. 

4. Ketepatan menentukan jumlah uang pertanggungan

Sebelum mengambil asuransi jiwa, Kamu harus menghitung jumlah uang pertanggungan dengan kondisi dan kebutuhanmu. Kamu juga harus mempertimbangkan kebutuhan di masa depan. Jangan sampai asuransi jiwa yang sudah Kamu beli malah menjadi kerugian ketika Kamu tidak menghitung besaran uang pertanggungan dengan tepat dan benar.

5. Menghindari riders yang tidak penting

Manfaat tambahan pada produk asuransi jiwa di sebut juga sebagai riders. Setiap perusahaan asuransi jiwa pasti menawarkan riders kepada nasabahnya. Riders yang di tawarkan pun sangat beragam dan terkadang dapat ‘menyihir’ Kamu untuk menyetujuinya. Meskipun riders yang di tawarkan akan sangat menguntungkanmu, tetapi akan lebih baik jika Kamu memilih rider yang sesuai dengan keperluanmu saja agar sehingga Kamu bisa berhemat dalam membayar premi asuransi jiwa. 

6. Membandingkan penawaran setiap perusahaan asuransi

Sebelum memutuskan untuk membeli asuransi jiwa yang sesuai dengan kebutuhanmu, akan lebih baik jika Kamu membuat perbandingan penawaran berupa fasilitas dan premi dari setiap perusahaan asuransi. Dengan mempertimbangkannya, maka Kamu akan lebih mudah memilih dan menentukan produk asuransi jiwa yang Kamu banget

7. Memiliki gaya hidup sehat

Tahukah Kamu? Perusahaan asuransi akan memberikanmu premi yang tinggi apabila Kamu terdeteksi memiliki riwayat kesehatan yang kurang baik atau memiliki penyakit kritis/turunan. Hal tersebut disebabkan karena orang dengan pola hidup tidak sehat atau menderita penyakit kritis  memiliki tingkat kematian yang cukup tinggi. Maka dari itu, memliki dan menerapkan pola hidup sehat akan sangat membantumu mengurangi premi asuransi jiwa menjadi lebih murah. 

8. Meghindari berbagai hobi ekstrim

Hobi memang tidak bisa dipisahkan dari sesorang karena merupakan kesenangan. Apabila Kamu seseorang yang memiliki hobi atau pekerjaan yang cukup ekstrim dan berbahaya, maka bersiaplah untuk membayar premi asuransi jiwa yang cukup besar. Sama seperti penyakit kritis atau penyakit keturunan lainnya, hobi dan pekerjaan ekstrim memiliki tingkat risiko dan kematian yang cukup tinggi sehingga hal ini sangat berprengaruh dengan harga premi yang diberikan. 

Sesuaikan Premi dengan Kondisi Finansialmu

Ingatkan dirimu bahwa untuk mendapatkan proteksi dan manfaat asuranasi jiwa, Kamu tidak perlu membayar premi yang mahal. Daripada timbul kesulitan keuangan karena harus membayar premi dengan jumlah yang besar, akan lebih baik jika membeli asuransi yang sesuai dengan kebutuhan Kamu dan keluarga. Tidak apa membeli asuransi dengan premi murah, yang terpenting adalah manfaat yang akan diterima. 

Semoga bermanfaat! 

Sumber:

https://www.generali.co.id/id/healthyliving/detail/421/tips-memilih-asuransi-jiwa-murah-terbaik

Penulis:

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