Many people are recommending the separation of insurance and investment just call Termlife (term life insurance) as an alternative to unit-linked. Though UP soul alone is not enough, especially for the young and productive age (under 50 years). Why? Because, basically, the young man was not going to die just because of their age. Indeed, the name of the dead was not known age. But look at the life expectancy of people in Indonesia who is about 65 years, so if people die far below that age, most likely cause is another factor.
What usually causes young people died? First, an accident. Second, ill. Pain kinds, can critically ill, infectious disease, or just a stomach ache.
People who only take term life insurance, if he had an accident and die, life insurance money can direct the liquid and received his heir. But if the accident was not immediately send him to another realm, then the problem has not been completed. If he defects, certainly UP soul can not get out, but the cost of living keeps going and more difficult because of the disabled will not be able to work as before.
Similarly experiencing critical illness was not necessarily make dies. Young people aged body resistance is still relatively strong, so when she was sick, maybe he still alive but lying alone at home or in hospital. Obviously people like this also can not work optimally.
Therefore, pure life insurance alone is not enough. Someone still under-insured if it has a pure life insurance policy. He is arguably not financially secure. The worst risk is not just death. Even death is not the worst risk, because so dead finished already. The difficulties experienced by people living just abandoned, if the deceased is a breadwinner.
There is another risk that is worse than death, namely disability (total or not) and the critically ill to live not die was reluctant. So, in addition to life insurance, accident insurance and critical illness insurance is also very necessary owned.
Stay problem now, if all three (life, accident, critical illness) should be taken separately or together in one package. Surely here are some things to consider.
First, the cost. Which is cheaper, take apart or all at once. Problem costs should also be seen in the long term, not a specific term.
Second, period. Quickness to certain age or a lifetime.
Third, the ease and practicality. Clearly, the policies that cover the same time more practical than some of the policy.
Similarly, for a consideration.