Economy, Business and Investment

Employee Health Insurance, California, San Jose, Bay Area. Employee Health-related Insurance coverage does not have a need to financially impact your a definite fortune! It unquestionably doesn’t. Employers may be basically in charge so that you afford 50% associated the “lowest cost plan for an 18 year old”. Anthem White Get across Overall health Medical care insurance programs is as substandard basically $150 an actual month.that stands for about the employer’s the minimum part that can be $75 healthy cotton month. When I explain that to employers they are shocked. Most believe they are responsible for much more.

Being an Independent, NO FEE, family owned agency, we can offer Employee Health Insurance for much less. Brauer Insurance Services has developed a proprietary “strategic benefit plan” that companies can use to reduce their Employee Health Insurance costs AND increase their benefits. The concept is very simple, and takes about 10 minutes to explain. No gimmicks or magic, just realistic concepts and some “out of the box” forward thinking.

Being a former Police Sergeant, I’m skeptical of everything. so if you are too, I totally get it. I PROMISE you, this is not a scam, or some trick. I have a ton of employer groups that use this strategy, like Aquatek Plumbing, Orion Security, Valley Concrete, Applied Cryogenics, Hydrex Pest Control, Police Academies up and down California and many more!! My philosophy is simple: It’s either a fit or not, if not…no big deal!

At Brauer Insurance we are “specialists” at Employee Benefits, Employee Health Insurance, and Group Insurance. When I got into the business years ago, I wanted to become an expert in ONE line of insurance. I’d rather be an expert at one thing, than just be good at a bunch of things. Employee Health Insurance is a niche product….it really is. If you have an agent or broker that does “everything”. there is NO WAY they can be an expert at Employee Health Insurance. There are just not enough hours in the day to absorb all the information there is to know about Health Insurance.

One of the biggest compliments to me, to date, has been some of the people that I respect in the insurance industry that have been agents for years, have come to me for advice with Health Insurance, specifically Employee Health Insurance. They recognized that my daughters and I ONLY do Employee Benefits and Health Insurance. We read daily and keep up on the Health Reform Act and all of its implications.

If you are an employer and looking for Employee Benefits or Employee Health Insurance, give us a call. You may be able to not only save money, get better benefits, but you will have a trusted advisor that KNOWS the industry!

Steve Brauer President Brauer Insurance Services LLC (877) 421-4325

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San Jose Health Insurance, San Jose, Bay Area, CA. Health Medical care insurance does not really have to be silk cotton fortune! It literally doesn’t!! At Brauer Insurance, today we Likely carry out Person Results only real Good being Insurance. That represents that most that we all have proven to be “specialists” NOT General Practitioners. I learned a long time ago, its better to be experts at one thing, than just be so-so at many things.

We are an Independent, Family Owned, NO fee Health Insurance agency. We utilize creative strategies that save you tons of money. When people say they want a “good” Health Insurance plan, they really don’t understand how it works. There are basically 3 types of Individual Health Insurance plans and Family Health Insurance plans. There are the Kaiser type plans, and then you have two types of plans from non-Kaiser companies like Anthem Blue Cross, HealthNet, Blue Shield, Aetna, Cigna, United, etc.

Anthem Blue Cross Health plans, Blue Shield Health plans mostly all have a higher deductible. The ones that don’t, are super expensive. Especially if you are over 30. There are HSA plans, Non-HSA plans, HMOs, and PPOs. Even though there are 117 Individual and Family Health Insurance plans out there, typically people purchase only about 15 of those 117. The rest just don’t make sense based on cost and yearly risk (Yearly Out of Pocket Risk). If you are 18-29 years old, your Individual Health Insurance plan should not be more than $100 a month. If it is….you’re paying too much, and I can prove it. San Jose Health Insurance is actually very reasonable. I know everybody talks about how expensive it is, but the reality, is that, if you don’t have access to a Group Insurance plan through work, I can get you a plan cheap.

We are an Indpendent, NO FEE, family owned agency helping Individuals and Families find affordable Health Insurance in the San Francisco Bay Area. The Health Insurance prices are set by law, whether you buy it from me, or direct, the price is the same. I spent 28 years as a Police Officer/Sergeant before I built our family agency. Let us help you navigate the screwed up Health Insurance waters!

Steve Brauer President Brauer Insurance Services LLC (877) 421-4325

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Tags: health insurance, Health Insurance Plan
Health Insurance Plan. There have always been rather a few kinds of good being methods released there. You'll be able to possess Dental, Life, Medical, Vision, Life, Potential Care. Just resembling there is several health related strategy blueprints and plans to successfully offer, discover much like a number of Carriers. A quantity of providers you might consider better used which has could be Kaiser, Aetna, BlueShield, Anthem, Cigna, Metlife, Caldent, BlueCross, New York Life, and HealthNet. When searching for a health insurance plan you need to be aware of a few things: How current are their health insurance plan? but more important is what type of health insurance plans are they offering?

Here are just a few health insurance plans (dental only) that we have found that can be found out there in the health insurance plan world. We have

Aetna: The key difference between Aetna small group plans and larger group plans is that small group plans are pre-packaged plan designs.

Aflac: Their rates and health insurance plan benefits do not vary based upon the size of the account. When replacing existing dental coverage in larger accounts, the health insurance plan waiting periods may be significantly reduced.

Anthem Blue Cross: Normally uses the same health insurance plan provider network for individual, small group, and large group. There are different health insurance plan underwriting considerations for each business segment, but it depends on the health insurance plan being offered

Blue Shield: Their ability to customize health insurance plan offerings for groups with more than 300 employees typically results in lower rates and more health insurance plan choices for employer’s.

Cigna: Dental health insurance plan desings and rates for small groups are similar to those or larger groups. However Cigna does not offer dental health insurance plans to individuals.

Delta Dental: Their health insurance plan rates can be slightly higher for smaller clients and individuals, but Delta Dental strives to be competitive while balancing the financial risk.

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Tags: Family Health Insurance, Individual Health Insurance, San Jose Health Insurance Agency
Affordable Health Insurance, San Jose, California, Silicon Valley. Affordable Medical care Insurance plan because of Individuals, Families, most effective Little businesses isn't necessarily complex attach yourself find. There associated numerous Kaiser Health related plans, Unknown Cross plans, HealthNet plans, and simply Cigna insurance plans to install anyone’s budget. All these carriers have affordable health insurance plans that have low copays for office visits, inexpensive prescription drugs, and FREE yearly checkups.

At Brauer Insurance, we know that….“Health Insurance does NOT have to cost a fortune”. This means that you can get a plan, for much less than you think. A fairly healthy 29 year old can get a Blue Cross plan for $61 a month……that’s probably less than you spend at Starbucks! A 39 year old will be a bit more at $90 a month. Granted, these plans have a high deductible…..but they do include $40 office visits, and $10 prescription drugs.

At Brauer Insurance, because we are INDEPENDENT Health Insurance Agency, we can get you the lowest prices and can shop ALL the insurance companies to find you the best coverage. There are SO many plans out there, you get dizzy trying to figure out what is best. Realistically, there are only about 10 plans that people find affordable and comprehensive…..the others, well, no one really buys, but they look good on paper.

You will not find a better price than at Brauer Insurance……that’s because the prices are SET by the Dept of Insurance. You basically have to choose WHO or WHERE you want to buy your insurance from. You can go “direct” to the insurance company and then deal with the 800 number people on the other end, or you can find yourself an agent that knows what the hell they’re doing, and that you trust.

My tagline is “To Protect and To Serve”……..I borrowed that from my badge when I was a police sergeant in the Bay Area. Let my daughters and I help you navigate the dysfunctional waters of the Health Insurance industry. Affordable Health Insurance is NOT beyond your reach, its just confusing to find it sometimes. The health insurance companies are NOT our friend. They have confusing wording and plan designs for a reason….and its NOT for your benefit.

Call us and we will help you!

Steve Brauer-President……Brauer Insurance Services LLC…..(877) 421-4325…….(408) 421-5555. 3150 Almaden Expwy, suite 203, San Jose, CA 95118

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Tags: Health Insurance San Jose, pre-existing condition coverage
Health Insurance for children... they CANNOT be denied now! Whether the individual like for example Obama aka not... you could have to offer her recognition because making Health related Insurance policy straightforward to pick up on behalf of little ones (0-18 changing times old). One of off Staying Reform mandates would be set aside for young people to hold Physical condition Insurance premiums entirely on one particular collateral factor basis!! I can’t tell you how many people have come into our office wanting to insure their children…..and I’ve had to turn them away. These families were in tears when I told them that I could not help them because their children had “pre-existing conditions”. Some of which were seemingly minor.

The only problem with Health Insurance for children, and for that matter with adults as well…..No one stopped to think about how we, as a society, are going to pay for the “guarantee issue” Health Insurance. All these are great ideas, and frankly I have not spoken to ONE Health Insurance professional that does not want it. This is the major flaw in the Health Reform Act. Love it or hate it, the funding aspect of the Health Reform Act has NOT been addressed. More taxes…..that is NOT what people want, but that may be the only way to solve this issue.

Now that we’ve broached the money issue, think about this; how can we, as a society, sustain the double digit increases in Health Insurance premiums year after year. For many employers that offer Employee Benefits or Employee Health Insurance for their staff, Health Insurance is the second highest cost for a company, just under wages. There ARE ways to mitigate the high costs of Health Insurance….at Brauer Insurance, we have a proven “strategy” that many companies have found to save them hundreds or even thousands of dollars a month on Employee Health Benefits.

At Brauer Insurance, we pride ourselves on “Protecting and Serving” our clients with strategizing Employee Benefits, and FREE Added Value Services that NO other Employee Benefits Agency offers. We make a good commission…..and we believe in giving back to our clients. Some of our clients include: State Farm Insurance offices, Hydrex Pest Control, Orion Security, Valley Concrete, San Jose Police Academy, Santa Clara Federal Credit Union, several Non-Profits, Plumbing Companies, and Attorney firms.

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Tags: California Health Insurance Quotes, Health Insurance in San Jose, Individual Health Insurance
Individual Health Insurance Plans, San Jose, Santa Clara, CA. If you desire customers Health and well-being Health insurance coverage plan, you find quite a few set ups for you to select from. The original place men or women should try to consider is just that….Individual Effectively Insurance cover plan options refuse to require worth your company their fortune. There are unquestionably programs from now there who’re strategy according to $100 to any individual to their 20's or maybe a 30's. When you get to be older, its a little more. It always cracks me up when I hear about a couple in their 30's or 40's telling me that their Individual Health Insurance or Family Health Insurance is $1100 or $1500 a month. That is WAY too much to be paying….but people don’t know any better!

At Brauer Insurance, we look at Health Insurance as more of an investment. That means that you have to “strategize” what you are paying vs. what you are getting. Sure, you can get a super comprehensive Individual Health Insurance plan where you pay very little for services, inexpensive prescriptions, very low copays. But if you compare a plan like that to maybe a lesser expensive plan where you pay more WHEN you go to the doctor, it becomes a HUGE savings. I try and tell people to look at the maximum yearly risk for the “expensive” plan, then check one of the plans that I recommend……most times you will find that they yearly risk is very close to the same, but the monthly savings with the lesser expensive plan is PHENOMENAL, and totally makes sense to switch.

Finding a strategy, and looking at your Individual Health Insurance plan more as a “risk management” than insurance is the philosophy of Brauer Insurance Services LLC. We help Individuals, Families, and Small and Medium sized companies to strategize their Health Insurance.

I would be skeptical too, I hate sales people. Being a former Police Sergeant, I have a different perspective than most insurance folks. Call me, if my daughters and I can’t help you, we’ll tell you up front!! Thanks,

Steve Brauer-President...Brauer Insurance Services LLC....(877) 421-4325 or (408) 421-5555... 3150 Almaden Expwy, suite 203, San Jose, CA 95118

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Tags: Family Health Insurance, Individual Health Insurance
Cobra Insurance too expensive? Cobra premiums through the roof? Cobra is WAY too expensive in most cases. Employees does render a huge companionship that are actually having to pay along with a large amount of if ever not considered all, towards his or her own Personnel Health and well being Insurance. Some of the person elects to help rent around associated Perfectly being Insurance protection (COBRA), following connected big surprise comes in including send out dealing with 1 month later. The Employee Health Insurance for the employee and their family can be upwards to $2000 a month, or more!

There MAY be a better solution. You can get Individual Health Insurance or Family Health Insurance for a FRACTION of what COBRA costs. Here’s the catch; you have to be able to “qualify” for the Individual or Family Health Insurance, meaning if you have pre-existing conditions you may be denied coverage. But hey, its worth a try! Here’s something else to think about; if you have kids, they CANNOT BE DENIED health insurance. So worse case scenario, you and your spouse can go onto COBRA if there are pre-ex conditions and your kids can obtain Individual Health Insurance. Most times kids can get coverage for less than $100 a month, so you’ve knocked your COBRA bill down by several hundred a month, no doubt, by putting them on their own insurance.

Call us and we can strategize a plan for you and your family. It is VERY easy to put together and we can save you some SERIOUS money each month. Adults... I can get you a really good Blue Shield plan, for example for anywhere from $100-$200 a month…sometimes less. Even email me if you don’t want to talk to anyone and I can send you a quote. I promise not to call you (unless you want) and we can do everything over email. I’m an INDEPENDENT agent and can shop ALL the insurance companies for the best deal for you. Health Insurance is a “necessary evil”……but we all need it, in some form. I’m a retired cop, I won’t screw you over. This is my second career and some might call it a “hobby”….but I do love it!Take care!!

Steve Brauer, Brauer Insurance Services, 3150 Almaden Expwy, Suite 203, San Jose, CA 95118 (408) 421-5555, (877) 421-4325

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Lowongan Kerja PT BNI Life Insurance: Division Head/Deputy | Manager | Staff. PT BNI Life Insurance - BNI Life is one of the largest life insurance companies in Indonesia. The Company operated as a subsidiary of PT Bank Negara Indonesia (Persero) Tbk and focuses to providing insurance services for life, health, and retirement for both individuals and companies. The Company's head office located in Jakarta and supported by more than 48 sales offices and 423 Bancassurance Specialist stationed in BNI branch offices throughout Indonesia. As of year-end 2009, PT BNI Life Insurance reached more than Rp1.59 trillion as a total assets with Rp1.045 trillion as premi income. In May 2004, BNI Life establish Sharia Unit which aims to provide and market products for the Islamic-based insurance. In line with its vision, become a leading life insurance companies in Indonesia in financial performance and service quality, currently PT BNI Life Insurance open opportunity to join as :

Division Head/Deputy

1. Financial Controller (FC)
2. Chief Actuary (ACT)
3. Accounting (ACC)
4. Investment (INV)
5. Branch Coordinator (BC)
6. Marketing & Corporate Communication (MAR)
7. Product Development (PD)
8. Claims Services (CL)
9. IT (ITH)
10. Provider Network Services (PNS)

Manager

11. Underwritting - Group (UWG)
12. Underwritting - Individual (UWI)
13. Premium Collection (COLL)
14. Claims - Life (CML)
15. Claims - Health (CMH)
16. Customer Care (CC)
17. Bancassurance Trainer (TR)
18. General Affairs (GA)
19. IT (ITH)
20. Product Development (PDM)
21. Actuary (ACTM)

Staff

22. Staff Administrasi (ADM)
23. Staff Keuangan (KEU)
24. Call Center Officer (CCO)
25. Claim Analyst (CA)
26. Sales Support (SS)
27. IT (ITS)
28. Accounting (ACCS)
29. Actuary (ACTS)

General Requirements
- Preferably experienced in life insurance companies and financial institution
- Hold min S1 with GPA min 3.00 from reputable university, except no 24 - 26 min D3 majoring in medical (Nursing, pharmacist, pharmacy, public health)
- Active in English

Specific Requirements
- For Division Head/Deputy and manager : have a good track-record in insurance field
- No 25 & 25 willing with outsource status
- No 24 willing to work with shift system
- No 26 placements area : Jakarta (SS-JKT), Bandung (SS-BDG), Medan (SS-MDN), Padang (SS-PDG), Palembang (SS-PLBG), Semarang (SS-SMG), Surabaya (SS-SBY), Makassar (SS-MKS), Denpasar (SS-DPS), Banjarmasin (SS-BJ), Manado (SS-MND)

Should you interested, please submit your complete application (max file 2MB) with an essay in English that explain "why you are the right candidate" to email: hrd@bni-life.co.id. Write position code on email subject. Closing date 2 weeks after this advertisement. Only short-listed candidates will be notified.

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Indonesia is the country with its population is very high and diverse. Population of Indonesia has had the awareness to keep any rights they have. Including insured health, life, even his education and motor vehicles. Insurance has become something very important in the eyes of society. So what exactly is insurance?

Insurance is an agreement in which the parties promised to guarantee a secured party, to receive an amount of premium in lieu of damages, which may be suffered by the assured, as a result of an event that is not yet clear. Thus is the definition of insurance by Wirjono Prodjodikoro in his book 'Insurance Law in Indonesia'.

Although it has become something that is considered important by most societies, insurance in Indonesia is still leaving a fairly severe ulcers. Insurance system that is used in Indonesia is still not satisfactory. Incessant promotion process insurance companies are not comparable with the disbursement of the insurance claim filed by the owner.

All parents of today would want a better life for their children in the future. One provision that must be prepared is education. If the parents educated Strata 1, definitely expected better educated children than that, Strata Strata two or three. Or at least the same level of education her father and mother.

For that reason all efforts made ​​in order to be able to deliver the baby into a strong and independent generation. One of them by way of a promising investment. Yatu participate in insurance education program. Why do people interesting in insured education?

- Need financial certainty for children's education expenses can be met through the school
- Hoping not burdened cost issues for schools when retirement
- Can not predict the age limit and health
- Working in high-risk areas
- Unable to mempresiksi limits trying / working for it.
- Exposed as agents of persuasion friend
- So agents are also interested

But not all people want to become customers of an insurance company. Indonesia is not all communities have a positive outlook on asuransi.Mengapa people are afraid to take out of education?

- Expensive.
- Not yet know they have financial projections
- Do not believe in insurance companies
- Prefer the conventional way to invest
- Many stories tilted about insurance, for example, claims issues, or difficult to resign before his time, or feel loss with the lapse.
- Do not feel comfortable investing in this way.

If you really feel the need to have an insurance policy, consider the following things before deciding to take an insurance product.

Company
- Make sure that your choice is a stable company, is not affected by the financial crisis broke ganjing or banking world.
- Long-standing and have a lot of customers
- Got a branch office that much anyway.
- Quite bona fide.
- Easy to claim
- Some people always want to know, the way the money that is deposited on the customer's insurance company, Is for the benefit of the people or to other matters are contrary to religious teachings. Nothing wrong you know it's also for convenience.

Product
- Benefits of the product taken quite a lot, in addition to investments that promise to fund education also includes health and life funds.
- Can also be used as a bailout.

Agent
- Insurance agents have been educated and certified so that customers do not hesitate to entrust their funds
- Knowledge that many agents make customers become comfortable and more trust in its products.
- Agents should also be able to encourage customers to continue its investment program.
- Because if the agent who just need the customer, would not be concerned with the development of its customers, especially if the claim does not help the problem at all.

So as a layman should still be careful before buying. Make a lot of considerations than simply went along. Moreover, if recalling Could you consistently pay your premiums on time? Do not lapse in the middle of the road, will all be in vain.

However, it should also be considered that invest in promising for the future is essential. If insurance is the right way for you, quickly take a decision.

Currently, we are certainly familiar with the term insurance. This is because the publication of the insurance companies to the public had enough. Some of us also would have become party to the insurance, especially those who work either as civil servants (Askes) and private employees (Social Security).

Health insurance and Social Security is the basic insurance for workers. One type of insurance that has existed since long is life insurance. Understanding, to become a participant of life insurance, a person who participated will get a certain number of insurance coverage that will be disbursed when he died. That is, the benefits of the insurance is for the heirs.

The problem, though already know that life insurance is important, many of us procrastinate to become party to life insurance for various reasons. Perhaps for reasons of funding. Others were not necessary. Well now, is actually when someone should have felt the need to become a participant life insurance? Here are the moments ketrika someone should start thinking about life insurance and become a participant.

- Having a steady income sufficient to buy the premium.
Can be started with the lowest adjusted premiums to income. Choose the premiums are paid monthly rather than yearly. But if you have the ability to pay once a year, would be better.

- Start a family.
That is, if he is a husband, she has dependents who have satisfied their needs. That's when he sought to insure his soul.

- Jobs at risk.
It could mean the field of work is risky, as well as other jobs. Because the true risk can not choose the place. It could be someone working as a regular administrative staff, but to get to work she had to drive a motorcycle or vehicle every day, via the highway. This, too, there are safety risks in it.

- Earlier the better.
Being a participant of insurance at a younger age has its advantages, especially of the magnitude of the premium. Because usually if the insurance age of participants was old when he signed up, the risk of disease also appeared, at that price adjusts with a risk premium.

- Start with the insurance company's research.
Here's what you need to do. Not having to wait for an insurance agent and you visited diprospek. Before that, you can do the research independently. Much information was available. But most importantly, in choosing the insurance is to choose a reliable company (could be examined testimonials of its customers on the internet), the products according to needs, and the magnitude of the premium in accordance with ability.

At least that's five things to sign when you need to be a participant should have life insurance, as well as what should be done as a first step.

Nowadays many people began to consider life insurance, both for themselves and those they love. Because that would not be able to know what will happen after this. So there is nothing wrong if you choose life insurance. If you did not protect anyone else who will protect your own.

Now many companies offering insurance products. Many offerings are given from giving gifts, offers of payment system daily, quarterly, four months, each semester (6 months) and even once a year. There is also a completely pay benefits can be retrieved later when due. So you can adjust the payment system with your own income. When you choose an insurance product to protect you and your family, of course your expectations greatly to the insurance product.

The following will be given tips for choosing an insurance product to be more useful for you and your family:

- Find out about all that relates to your insurance company will take. About the premium, the insurance money, benefits, types and characteristics of risks and discover everything that is on offer insurance program company. should select a proven, meaning better if you take the insurance products that are obvious.

- Adjust the budget. Do not force yourself to take insurance with high premiums. Indeed, the higher the premium you would spend the higher the insurance claim will get. But if the premium paid does not match your financial capabilities it would be futile. You might be experiencing stress each premium payment.

- Provide correct personal data when filling insurance forms. If you need to do a re-examination of the data already in the fill into the form. this is to avoid the mismatch that occurs when the life insurance claim.

- Looking for the most complete information of the insurance or commonly called the insurance agent. You must ascertain whether an insurance program that you want included in akomodir in the policy.

- How does the claims process should also be considered. Such as hospital care claims, claim death, disability claims, claims scholarships and so forth. You also must consider also the time period that must be achieved as a condition to get cash from the program that you would follow

- Storage of securities must also be considered. Should make one important files because all insurance companies require that the original policy when their clients want to make a claim. If something happens to you and the insurance policy is lost or damaged immediately reported the incident to the insurance company in order to return quickly.

- Notify the nearest family and heirs that you have designated in the policy, this is important because if there is a risk or a calamity that should be covered by insurance programs are family and heirs can complete the procedure of claims will be filed.

- Make sure you have clear data and addresses from your insurance agent. deposited into sati with policy that you receive. So if something happens to the insurance agent may be contacted and can provide assistance in the process of filing a claim against your insurance.

Advice for you, do not choose an insurance company be seen from the advertising and promotion in the intensified by an insurance company. You have to see for themselves the evidence claim to the company's easy or complicated. And also be sure to choose a reliable insurance agent and have a license to your insurance company guarantee is more assured as your own.

Life is full of uncertainty. One type of uncertainty that no one knows when the coming of death. Death is something that will surely come. What is uncertain is when it came from. And it will never be known by man, whoever he is.

Caused by the uncertainty of life, many are the people who live in cities, especially following the life insurance program. Life insurance does make some people more secure lives. For example in a family, head of the family to insure itself. So when the head of the family died, his family would not be afraid to be abandoned because there is life insurance. Families will get a certain amount of money.

That is one of the advantages of life insurance, as well as many other advantages. However, a person should not be hasty in determining life insurance will be selected. Lately, many cases of fraud under the guise of insurance. Companies are not very well known and not too productive a lot to offer life insurance services. It requires more in-depth study, if the company can really be trusted.

Therefore, some of the things below are some tips that can be done in choosing the right life insurance companies namely:

1. Choosing the right life insurance companies should be viewed from the age and value of the company in the public eye. Age can not be denied if the company is also a consideration in putting his trust someone to take out insurance. The longer life of the company would experience possessed by the company it will be many more.

Experience that many of these make the company has a plus compared to the newly established insurance companies. In addition to age, see also the problem of corporate value in the eyes of the public.

We can find out by asking friends or relatives who subscribe to the insurance company, whether the insurance company's qualified or not. Of public opinion we can take a temporary hypothesis about the quality possessed by the insurance company.

2. vision and mission which is owned by the insurance company.
The vision and mission we can see from the insurance company sites have. If the company does not have a site, means the company is still new and inexperienced. Therefore, we will not know the vision and mission.

The vision and mission we need to know before submitting certain amount of money and sign a contract, because after a client's right to know will carry around in the future when he handed over the "life" as collateral to the insurance company.

A good insurance company will certainly explain the vision and mission or purpose of the insurance company. usually insurance agents will explain it or we could also ask whether the insurers themselves and the insurance company to see the site.

3. achievements of the company
Achievements of the company or companies rank well we need to consider before choosing an insurance company life insurance for us. Of course, as our clients choose an insurance company that is not good quality and not arbitrary

Choosing the right insurance company is basically easy when we are not easily tempted by the sweet promises uttered by an insurance agent when the pitch.

However the evidence is better than a promise, so powerful as an insurance agent promised anything if not accompanied by evidence, such as insurance companies are still not clear, then as a prospective client we are allowed to refuse to be one of insurance clients.

Choosing the right insurance company is a major step and the first thing to do by potential clients. If the wrong choice at the beginning then at the back will cause problems that may be detrimental.

Insurance companies are companies that provide or sell various types of insurance. Position in an insurance contract is, as the agency a number of losses that may arise in the future in return for payment (premium) certain of the insured, in this case is the policyholder.

Types of insurance offered by various insurance companies, including Life insurance, general insurance, reinsurance, and supporting business insurance. Insurance companies to market their products always heavily promoting to the public.

However, there are still weaknesses that must be repaired by some of insurance companies in Indonesia. Often we look at the insurance company that is heavily promoting its products but if the time to accept their claims as a pretext to gain time if the procedure takes a long time, investigation of cases, the necessary documents for the claim is not complete.

If arguably, the health insurance is a type of primary insurance to be taken before someone decides to take other types of insurance. Why is that, because health is the most important element in our lives. If we are sick, a variety of activities and any activity will not be able to walk. For that, we need a protection against our health, such as health insurance.

Health insurance is a promise from the insurance company told its customers that if the customer experience associated with health risks, such as pain and should be hospitalized, treated roads, treatment or surgery, then the insurer will provide reimbursement to the customers.

By taking health insurance, it is expected that you could be protected from high health care costs today. Health insurance should not be purchased with advance purchase of Life Insurance, Health Insurance because you can buy separately.

For some people who have motor vehicles may not have crossed the slightest wish to lose the vehicle. However, sometimes the reality of the matter does not correspond with what we want. To avoid what we do not want to happen in our vehicles, should we insure our vehicles are.

Motor vehicle insurance are insured against loss or damage to motor vehicles. Risks that are guaranteed in this insurance include damage / loss of an insured motor vehicle, various causes such as collision, the evil deeds of others, theft, fire, lightning, and ferry crossings.

This type of insurance is actually the same as fire insurance, the object of which is the loss of or damage to property, only property here in the form of a motor vehicle. Rules that apply in the fire insurance is also generally applicable to motor vehicle insurance.

Where parents who do not want to see his son succeed? Various means will be undertaken to meet their expectations, including in terms of education. So how you can give certain guarantees to the education of children if a death when you pick first?

Insurance education is one way that parents can do to avoid the worst possible thing would be experienced by the child, especially regarding education funding. In particular, education insurance is insurance that offers two usability (endowment), which is a function of protection and investment.

Protection function will run the risk of death over you, by promising certain amount of money if you experienced the death that are tailored to your child's education costs and has agreed in the policy.

As an investment, this insurance will manage and invest some of the premium you pay. Instead of managing your money, the insurance company will provide some funds in the amount agreed in the policy. When payment was already scheduled to coincide with your child's school.

Insurance is an agreement in which the parties promised to guarantee a secured party, to receive an amount of premium in lieu of damages, which may be suffered by the assured, as a result of an event that is not yet clear. In this case, the parties guarantee is usually an insurance company, while the party which is guaranteed to policyholders.

Insurance policyholders are entitled to obtain or make insurance claims to companies that have done the previous agreement if things are not yet clear is actually happening. Own insurance claim is a demand recognition of the fact that a person is entitled (has or have) on something, in this case the insurance policy.

However, many insurance companies are a little cheating, meaning if the time for receiving claims of their policyholders as if to gain time on the pretext that the procedure takes a long time, investigation of cases, the necessary documents for the claim is not complete.

Accidents is that there are risks in any corporate activity. It is mainly in jobs that require more physical activity than the activity of thought. It could be a risk to a minor accident resulting in serious accidents causing fatalities. In his definition, work accident is defined as an event that occurs outside the existing party planning that resulted in the loss. This condition is particularly so in an activity of work to do a company in the process of their work.

And when accidents happen, then the company has the obligation to provide collateral and to the dependents of a victim. This is because those who become victims, losing the opportunity to move for some time and things are going to meet the obligations in the work.

On the other hand, the victims of these accidents, the unfortunate in order to provide benefits to the company through the activities they are doing it. This is why, the company must comply with government regulations to ensure the safety of the workers.

Insurance, Accident Work Solutions
On the other hand, often companies do not want to be bothered to deal with the problem of work accidents to its employees. However, the company could not get out of hand just like that, considering there are regulations governing the obligations of the company to its employees. To overcome this one of the steps that companies use is to provide insurance to its employees in case of accidents.

There are several benefits to be gained by a life insurance program participants that specifically deal with cases of workplace accidents. Some of these benefits include:

1. Provide peace to employees in the work so that they can perform optimally in any activities in the company.

2. Reduce the company's affairs so that companies can stay focused on their work activities without neglecting the obligation to provide assurance to employees who have occupational accidents.

3. Foster loyalty to employees. Because, with insurance included in the program, showing the company has a concern for the employees. So this could potentially reduce employee turnover due to dissatisfaction with their work.

4. Helping ease the burden on employees who have occupational accidents. Due to the work accident, then an employee will be disrupted their activities in making a living for their families.