Leader Of Insurance: 2008

Wednesday 8 October 2008

http://lagudangambarlucu.blogspot.com/

http://lagudangambarlucu.blogspot.com/

Mau lihat karier dan Produk di ACE LIFE Indonesia, klik di bawah:
http://www.karier-acelife.co.cc/

Sunday 27 July 2008

Do we have fear? Or do we have faith?

This past Wednesday, I was confronted with a choice. This choice had been building for several years, ever since I had a consultation with an ortho-facial surgeon to have my wisdom teeth removed.

In this consultation, I disclosed that I have a heart disorder called Mitral Valve Prolapse. It affects nearly 5% of all women to varying degrees, and mine is a textbook example. I’ve had many doctors hear about me and simply want to listen to my heart to see what it sounds like. Normally, with taking care of myself, I forget that I even have MVP until I do something stupid to cause it to act up. I told the doctor all of this, where he examined my x-rays, did some more surveys and then sat down with me to go over the risks of the surgery.

He told me that because of where one of my teeth was located, it was possible that he could put a hole in my sinuses that could become infected. MVP patients are very susceptible to the kind of bacteria that lives in the human mouth and if these bacteria were introduced at a high dose into the blood stream, it could infect my heart valve and cause it to stop beating. He looked me straight in the eye and told me there was a very real chance I wouldn’t survive.

Needless to say, I decided I liked breathing and my wisdom tooth was fine where it was. I left the office without any plans to ever return. Fast forward to 2005.

I was having a routine x-ray at my chiropractor’s office and he noticed that my wisdom teeth had turned sideways and were very clearly impacting the rest of my teeth. He told me that I should have it checked out and asked if it hurt. I told him that it did, but I was more willing to put up with the pain rather than end up dead. Instead of taking that as an answer, he gave my x-rays to another patient of his who is a dentist.

I scheduled an appointment with the dentist who then referred me to another ortho-facial surgeon. This surgeon when I met him was incredibly sure of himself, incredibly flamboyant, and exactly not what you would expect a doctor to be like. I had heard from everyone I talked to that he was the best in the field and preformed thousands of extractions a year. I met with him and he assured me that he did hundreds of surgeries each year on people with MVP and that because of my age and my general good health that he didn’t plan on any trouble at all. He also told me that he had never lost a patient out of thousands upon thousands and only had two or three with real issues after the surgery. He told me he wasn’t about to ruin that record. I scheduled the surgery and walked out of the office feeling confident that everything would be fine.

As the weeks until the surgery went by, I found that more and more I lost that feeling of confidence and I regained the fear I had lived with in the years leading up to the appointment. Looking back on it now, I am much the same with God. I lose my confidence in Him and go back to fearing whatever is on my mind. By the time Wednesday, November 16th rolled around, I was good and scared.

Monday, open enrollment for my insurance was ending and I upped my life insurance and my short and long-term disability. Wednesday, I found myself sitting in the waiting room, trying not to chicken out and run. They came out for me and escorted me to a room with a big chair that they got me comfortable in. As soon as I was in the chair and positioned correctly, the nurse strapped a face mask on me and told me to breathe deeply, that it was a mixture of Nitrous and Oxygen and I’d be fine and feel floaty, then go to sleep.

I found that in that moment there was no going back and I was now facing a decision.

Was I going to go to sleep in faith or in fear?

How many times do we need to ask ourselves that? How many times do we give in to fear and not even consider that we are failing at faith. A very wise person once told me that the very opposite of faith was fear, and fear is such an easy choice.

Do we have a fear of commitment or do we have faith that we can follow through?

Do we have a fear of failure or faith that we can succeed?

Do we have a fear of not being accepted or faith that people love us?

Do we have fear? Or do we have faith?

I believe how we make that decision every day affects every part of our lives. It’s not just faith in God: it’s faith in ourselves, it’s faith in those around us, and it’s faith in everything we do.

I believe this struggle is universal, and if you wish to use it in a story, please let me know! I believe one of the most realistic parts of characterization is looking into the character’s soul and spirit and seeing what makes them act the way they do in the story. This would be a great thing to think about if you are writing a story – what is your character afraid of? What do they have faith in? How does that affect the life you are building around them? If you do take this challenge, please send me a link!

Saturday 19 July 2008

Client Testimonials

Client Testimonials

“We’ve been working with them since the 1990s and it’s been a great relationship. I consider them not only a trusted advisor but also a friend. They understands my organization thoroughly, knows how we operate, and usually calls us before we have to call them.”
Brian M, Houston

“They always calls back promptly and corresponds the way I need them to (email, voicemail, etc.). We started when we just needed renters insurance and now he covers us for everything – home, office, business, umbrellas, auto…you name it. I appreciate doing business with someone I can trust, who is responsive, and who is always looking out for how to best serve me…AND who makes it convenient!”
Terri H, Conroe

“They handle not only my personal insurance but also the insurance for my brewery/restaurant and my commercial rental properties. They are very knowledgeable and experienced in these areas. I can always count on them to keep me informed and to resolve problems quickly. They are professional and have integrity – qualities that everyone in the office shares.”
Teresa S, Houston

“One of their most important attributes is its extremely efficient customer service. We’re a relatively new client and they took a very personal approach to helping us identify the right insurance for our needs. I know that if we ever have a problem, they will get things taken care of. They are excellent sales peaple who offers competitive rates and has the customer’s best interests in mind.”
Mike C, The Woodlands

“They have provided exemplary service over the years. Whenever I’ve had a claim, they have been very quick to get things resolved. They’re all terrific people.”
Gerry B, Spring

“They are a small business that still believes in relationships. For the past ten years I’ve worked with them and they have helped with my personal and commercial needs. They are always willing to go the distance and I refer his services to everyone that I know.”
Kevin S, Pasadena

“I know from experience that when I call I will get excellent service and great rates. They take care of anything that I need, from silly to serious. They never treat you like a number, never put you on hold. I feel very confident in knowing that they are personal friends to me and my family.”
Lynn C, Humble

“I have been very impressed by the personal service provided by the office. In this day-and-age, where customer service is sometimes forgotten, they make the effort to explain a life insurance policy. At the time, I had a small child at home and was grateful for the convenience. In the years since, every time we’ve had a problem they been there to resolve it. I appreciate working with a company that is genuine.”
Christy P, Kingwood

“I consider Texas Century Insurance to be my advocate. I have no hesitation calling them whenever I have an issue to be taken care of. The entire office is very helpful, and it has a friendly, neighborhood feel that makes me comfortable. All of my kids are insured on their own through them, and I’d recommend them to anybody.”
Rhonda H, Houston

“When it comes to insurance, for me, it’s all about trust and understanding. I want those serving me to understand what I need and want. And I want to trust that I will always get the best advice and the best service. That’s what I get from Ana. Ana knows me and understands my insurance needs. She’s always been proactive in making sure I get the right coverage at the best price. Just as important, when I’ve had to make a claim, Ana has been there with good advice. When I was previously with a national insurance company with no local agent, I ended up filing a claim I never should have filed because I didn’t have a local advocate to explain all the implications. They really works for their clients, and that’s why I like doing business with them.”
Richard B, Spring

“Working with Texas Century Insurance has been a real pleasure. I've been with them for nearly 10 years and I've always received prompt, knowledgeable service. The few times I called for a claim, they helped me get my claim settled quickly and without hassle. I have recommended them to my friends and to my aging parents and would not hesitate to recommend them again.”
Archie G, Tomball

“We are very pleased to have them handle all our insurance needs because they take a personal interest in making sure we have exactly the coverage we need at the best price. They first took care of our auto insurance; the service was excellent and we saved a significant amount of money. So, when we bought our house, there was never a question of who we would call for home owners' insurance.”
Jim W, Katy

Thursday 17 July 2008

An endowment policy

An endowment policy is a life insurance contract designed to pay a lump sum after a specified term (on its 'maturity') or on earlier death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness.

Policies are typically traditional with-profits or unit-linked (including those with unitised with-profits funds).

Endowments can be cashed in early (or 'surrendered') and the holder then receives the surrender value which is determined by the insurance company depending on how long the policy has been running and how much has been paid in to it. During adverse investment conditions, the encashment value or surrender value may be reduced by a 'Market Value Adjuster' to allow for the need to cash in units at a time when investment conditions are not ideal. This means that the investor would receive the surrender value less the market value adjuster.

Insurance vs. assurance

Outside the United States, the specific uses of the terms "insurance" and "assurance" are sometimes confused. In general, in these jurisdictions "insurance" refers to providing cover for an event that might happen, while "assurance" is the provision of cover for an event that is certain to happen. However, in the United States both forms of coverage are called "insurance".

When a person insures the contents of their home they do so because of events that might happen (fire, theft, flood, etc.) They hope their home will never be burglarized, or burn down, but they want to ensure that they are financially protected if the worst happens. This example of insurance shows how it is a way of spending a little money to protect against the risk of having to spend a lot of money.

When a person insures their life they do so knowing that one day they will die. Therefore a policy that covers death is assured to make a payment. The policy offers assurance on death; even if the policy has a prescribed termination date the policy is still assured to pay on death and therefore is an assurance policy. Examples include Term Assurance and Whole Life Assurance. An accidental death policy is not assured to pay on death as the life insured may not die through an accident, therefore it is an insurance policy.

A policy might also be assured for other reasons. For example an endowment policy is designed to provide a lump sum on maturity. Under certain types of policy the lump sum is guaranteed. Therefore, this may also be called an assurance policy.

The test of whether a policy is assurance or insurance is that with an assurance policy the insured event will definitely occur (at some point) whereas with an insurance policy there is a risk the insured event might occur.

With regard to Whole Life policies, the question is not whether the insured event (in this case death) will occur, but simply when. If the policy has nonforfeiture values (or cash values) then the policy is assured to pay.

During recent years, the distinction between the two terms has become largely blurred. This is principally due to many companies offering both types of policy, and rather than refer to themselves using both insurance and assurance titles, they instead use just one.

Tuesday 15 July 2008

Love is a Mommy

Saturday 12 July 2008

Risk management

Risk management is a structured approach to managing uncertainty related to a threat, a sequence of human activities including: risk assessment, strategies development to manage it, and mitigation of risk using managerial resources.

The strategies include transferring the risk to another party, avoiding the risk, reducing the negative effect of the risk, and accepting some or all of the consequences of a particular risk.

Some traditional risk managements are focused on risks stemming from physical or legal causes (e.g. natural disasters or fires, accidents, death and lawsuits). Financial risk management, on the other hand, focuses on risks that can be managed using traded financial instruments.

The objective of risk management is to reduce different risks related to a preselected domain to the level accepted by society. It may refer to numerous types of threats caused by environment, technology, humans, organizations and politics. On the other hand it involves all means available for humans, or in particular, for a risk management entity (person, staff, organization).

Principles of insurance

Commercially insurable risks typically share seven common characteristics.^[1]

A large number of homogeneous exposure units. The vast majority of insurance policies are provided for individual members of very large classes. Automobile insurance, for example, covered about 175 million automobiles in the United States in 2004.^[2] The existence of a large number of homogeneous exposure units allows insurers to benefit from the so-called “law of large numbers,” which in effect states that as the number of exposure units increases, the actual results are increasingly likely to become close to expected results. There are exceptions to this criterion. Lloyd's of London is famous for insuring the life or health of actors, actresses and sports figures. Satellite Launch insurance covers events that are infrequent. Large commercial property policies may insure exceptional properties for which there are no ‘homogeneous’ exposure units. Despite failing on this criterion, many exposures like these are generally considered to be insurable.
Definite Loss. The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance. (See the U.S. Financial Accounting Standards Board standard number 113)
Calculable Loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
Limited risk of catastrophically large losses. The essential risk is often aggregation. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed. Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent. Where the loss can be aggregated, or an individual policy could produce exceptionally large claims, the capital constraint will restrict an insurers appetite for additional policyholders. The classic example is earthquake insurance, where the ability of an underwriter to issue a new policy depends on the number and size of the policies that it has already underwritten. Wind insurance in hurricane zones, particularly along coast lines, is another example of this phenomenon. In extreme cases, the aggregation can affect the entire industry, since the combined capital of insurers and reinsurers can be small compared to the needs of potential policyholders in areas exposed to aggregation risk. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any individual insurer’s capital constraint. Such properties are generally shared among several insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.

Insurance, in law and economic

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

Sunday 29 June 2008

Adakah yang akan mendoakan kita?

Adakah yang akan mendoakan kita?

Pengusaha & Malaikat

Seorang pengusaha sukses jatuh di kamar mandi dan akhirnya stroke,

sudah 7 malam dirawat di RS di ruang ICU. Disaat orang-orang terlelap dalam mimpi malam, dalam dunia Roh seorang Malaikat menghampiri si pengusaha yang terbaring tak berdaya. Malaikat memulai pembicaraan, "Kalau dalam waktu 24 jam ada 50 orang berdoa buat kesembuhanmu, maka kau akan hidup dan sebaliknya jika dalam 24 jam jumlah yang aku tetapkan belum terpenuhi, itu artinya kau akan meninggal dunia!

"Kalau hanya mencari 50 orang, itu mah gampang .. . " kata si pengusaha ini dengan yakinnya. Setelah itu Malaikat pun pergi dan berjanji akan datang 1 jam sebelum batas waktu yang sudah disepakati.

Tepat pukul 23:00, Malaikat kembali merngunjunginya; dengan antusiasnya

si pengusaha bertanya, "apakah besok pagi aku sudah pulih? pastilah

banyak>yang berdoa buat aku, jumlah karyawan yang aku punya lebih dari 2000 orang, jadi kalau hanya mencari 50 orang yang berdoa pasti bukan persoalan yang sulit".

Dengan lembut si Malaikat berkata, "Anakku, aku sudah berkeliling

Mencari suara hati yang berdoa buatmu tapi sampai saat ini baru 3 orang yang berdoa buatmu, sementara waktu mu tinggal 60 menit lagi, rasanya mustahil kalau dalam waktu dekat ini ada 50 orang yang berdoa buat kesembuhanmu".

Tanpa menunggu reaksi dari si pengusaha, si Malaikat menunjukkan

Layer besar berupa TV siapa 3 orang yang berdoa buat kesembuhannya. Di layar itu terlihat wajah duka dari sang istri, di sebelahnya ada 2 orang anak kecil, putra putrinya yang berdoa

>dengan khusuk dan tampak ada tetesan air mata di pipi mereka".

Kata Malaikat, "Aku akan memberitahukanmu, kenapa Tuhan rindu

Memberikanmu kesempatan kedua? itu karena doa istrimu yang tidak putus-putus berharap akan kesembuhanmu"

Kembali terlihat dimana si istri sedang berdoa jam 2:00 subuh,

Tuhan, aku tau kalau selama hidupnya suamiku bukanlah

suami atau ayah yang baik! Aku tau dia sudah mengkhianati

pernikahan kami, aku tau dia tidak jujur dalam bisnisnya,

dan kalaupun dia memberikan sumbangan, itu hanya untuk

popularitas saja untuk menutupi perbuatannya yang tidak benar

di hadapanMu, tapi Tuhan, tolong pandang anak-anak yang telah

Engkau titipkan pada kami, mereka masih membutuhkan seorang

ayah dan hamba tidak mampu membesarkan mereka seorang diri."

dan setelah itu istrinya berhenti berkata-kata tapi air matanya

semakin deras mengalir di pipinya yang kelihatan tirus karena kurang

istirahat".

Melihat peristiwa itu, tampa terasa, air mata mengalir di pipi

Pengusaha ini . . .

timbul penyesalan bahwa selama ini dia bukanlah suami yang baik

dan ayah yang menjadi contoh bagi anak-anaknya, dan malam ini dia baru

menyadari betapa besar cinta istri dan anak-anak padanya.

Waktu terus bergulir, waktu yang dia miliki hanya 10 menit lagi,

melihat waktu yang makin sempit semakin menangislah si pengusaha ini,

penyesalan yang luar biasa tapi waktunya sudah terlambat ! tidak

mungkin

dalam waktu 10 menit ada yang berdoa 47 orang !

Dengan setengah bergumam dia bertanya, "apakah diantara karyawanku,

kerabatku, teman bisnisku, teman organisasiku tidak ada yang berdoa

buatku?"

Jawab si Malaikat, "Ada beberapa yang berdoa buatmu tapi mereka tidak

tulus, bahkan ada yang mensyukuri penyakit yang kau derita saat ini,

itu semua karena selama ini kamu arogant, egois dan bukanlah atasan

yang baik, bahkan kau tega memecat karyawan yang tidak bersalah".

Si pengusaha tertunduk lemah, dan pasrah kalau malam ini adalah malam

yang terakhir buat dia, tapi dia minta waktu sesaat untuk melihat anak

dan si istri yang setia menjaganya sepanjang malam.

Air matanya tambah deras, ketika melihat anaknya yang sulung tertidur

di kursi rumah sakit dan si istri yang kelihatan lelah juga tertidur

dikursi sambil memangku si bungsu.

Ketika waktu menunjukkan pukul 24:00, tiba-tiba si Malaikat berkata,

"Anakku, Tuhan melihat air matamu dan penyesalanmu ! ! kau tidak jadi

meninggal, karena ada 47 orang yang berdoa buatmu tepat jam 24:00".

Dengan terheran-heran dan tidak percaya, si pengusaha bertanya

Siapakah yang 47 orang itu. Sambil tersenyum si Malaikat menunjukkan suatu tempat yang pernah dia kunjungi bulan lalu.

Bukankah itu Panti Asuhan ? kata si pengusaha pelan.

Benar anakku, kau pernah memberi bantuan bagi mereka beberapa bulan

yang lalu, walau aku tau tujuanmu saat itu hanya untuk mencari

popularitas saja dan untuk menarik perhatian pemerintah dan investor luar negeri. Tadi pagi, salah seorang anak panti asuhan tersebut membaca di koran kalau seorang pengusaha terkena stroke dan sudah 7 hari di ICU, setelah melihat gambar di koran dan yakin kalau pria yang sedang koma adalah kamu, pria yang pernah menolong mereka dan akhirnya anak-anak panti asuhan sepakat berdoa buat kesembuhanmu.

Doa sangat besar kuasanya, tak jarang kita malas, tidak punya waktu,

tidak terbeban untuk berdoa bagi orang lain.

Ketika kita mengingat seorang sahabat lama / keluarga, kita pikir itu

Hanya kebetulan saja padahal seharusnya kita berdoa bagi dia, mungkin saja pada saat kita mengingatnya dia dalam keadaan butuh dukungan doa dari orang-orang yang mengasihi dia.

Disaat kita berdoa bagi orang lain, kita akan mendapatkan kekuatan

Baru dan kita bisa melihat kemuliaan Tuhan dari peristiwa yang terjadi

Jangan Abaikan Sinyal Tubuh

Jangan Abaikan Sinyal Tubuh
Anda pasti pernah mengalami kedutan, cegukan, atau telinga
berdenging. Sayangnya, sebagian besar dari anda seringkali mengabaikan
tanda-tanda tubuh tersebut. Padahal menurut Dr. Karen Wolfe, penulis buku
"Create The Body Your Soul Desires", mengatakan bahwa tubuh yang mengalami
kedutan atau cegukan bisa menjadi pertanda bahwa tubuh anda sedang
mengalami gangguan ringan. Namun meskipun gangguan tersebut tergolong
ringan, tidak berarti anda harus mengabaikannya. Sebab, dengan memahami
sinyal yang diberikan oleh tubuh diharapkan anda dapat lebih peduli pada
tubuh sehingga tubuh menjadi lebih sehat.
Kedutan Pada Kelopak Mata
Gerakan tak sadar yang diberikan oleh bagian tubuh anda ini menandakan
bahwa tubuh anda kurang beristirahat dan tidur. Bahkan para ahli kesehatan
sepakat, 99% kekejangan pada mata disebabkan karena tubuh anda didera
stress dan lelah yang amat sangat. Tidak ada cara lain yang bisa anda
lakukan untuk menghentikan kedutan pada mata ini selain membiarkan tubuh
dan mata anda untuk beristirahat. Mengompres mata anda dengan air hangat
untuk beberapa saat juga sangat membantu.
Menguap Terus
Menguap tidak selalu berarti mengantuk. Menguap, juga merupakan sinyal
dari alam bawah sadar anda bahwa tubuh anda kurang bergerak. Misalya, anda
terlalu serius bekerja sehingga menghabiskan lebih dari 5 jam duduk di
depan komputer. Terlalu banyak menguap bisa juga berarti bahwa oksigen di
dalam otak anda sedang menurun jumlahnya. Hati-hati, kondisi ini bisa
menurunkan tingkat kewaspadaan serta konsentrasi anda terhadap pekerjaan
dan lingkungan di sekitar anda.
Cegukan
Anda cegukan padahal anda tidak sedang makan apapun. Kondisi ini menjadi
sinyal bahwa tubuh anda sedang mengalami stress. Hal ini karena cegukan
melepaskan hormon stress ke dalam aliran darah, kemudian merangsang serat
syaraf secara berlebihan. Akibatnya, terjadi kontraksi otot tak sadar yang
terletak di dekat pita suara hingga menimbulkan bunyi. Cara termudah untuk
meredakan cegukan anda adalah dengan cara menelan sedikit gula pasir.
Butiran gula pasir akan menstimulir ujung saraf di balik kerongkongan
sehingga menghambat impuls syaraf lainnya, sehingga cegukan pun reda.
Kaki Kram
Apakah anda sering mengalami kaki kram secara intens setiap malam? Kram
kaki merupakan sinyal tubuh yang mengisyaratkan bahwa tubuh anda sedang
mengalami dehidrasi, kekurangan kalsium dan magnesium. Untuk mengatasinya,
minumlah air putih lebih banyak dari biasanya. Susu kalsium juga sangat
disarankan.

Menjadi Orang Tua adalah sebuah Pilihan ….. Menjadi Anak adalah Takdir ……

Menjadi Orang Tua adalah sebuah Pilihan ….. Menjadi Anak adalah Takdir ……

Kita memang bisa memilih pasangan hidup masing-masing sebelum menikah, dan kita juga bis amemilih untuk tidak menikah. Tetapi anak-anak kita tidak pernah bisa memilih siapa orang tuanya. Mereka lahir ke dunia karena kehendak orang tuannya , bukan kehendak mereka. Itulah sebabnya sebagai orang tua, sudah sewajarnya kita memberikan kesempatan kepada anak-anak kita untuk mendapatkan masa depan yang lebih baik.

Pendidikan adalah hal terpenting yang bisa kita berikan kepada putra-puti kita. Kita menyadari bahwa pendidikan putra-putri kita merupakan hal yang sangat penting, pendidikkan sama dengan masa depan putra-putri kita. Kita tahu pendidikkan putra-putri kita memerlukan biaya dan biayanya sangat besar.

BERAPA BIAYA KULIAH MEREKA ?

Berdasarkan hasil survey di beberapa perguruan tinggi di Indonesia, biaya pendidikkan selama di Universitas (sampai lulus) rata-rata adalah Rp. 50 juta. Sebenarnya biaya pendidikkan ini tidak terlalu besar, tetapi biaya tersebut setiap tahunnya mengalami kenaikkan 10 % (karena krisis moneter dan Inflasi). Kalau saat ini anak kita menjadi Rp. 60 juta ditambah kenaikkan 10 % per tahun selama 18 tahun maka akan menjadi Rp. 333 juta (biaya itu belum termasuk biaya sekolah dari TK, SD, SMP dan SMU).

APAKAH ANDA SUDAH MENSIAPKAN DANA SEBESAR ITU ….?

Misalkan Anda berusia 28 tahun saat anak pertama lahir, saat anak Anda masuk Universitas, Anda akan berusia 46 tahun. Di saat itu Anda harus segera mempersiapkan diri untuk masuk usia Pensiun Anda. Anda membutuhkan sejumlah Dana Besar sebagai persiapan untuk masa Pensiun Anda. Kalau Anda mempunyai 2 atau 3 orang anak, keadaan itu akan lebih parah lagi. Seringkali kita cenderung berpikir bahwa selama masih bekerja atau berdagang maka Dana itu pasti bisa terpenuhi.

APA YANG TERJADI BILAMANA ANDA TERPAKSA BERHENTI BEKERJA ATAU BERDAGANG KARENA TERKONDISI SAKIT KRITIS ATAU MENINGGAL DUNIA ….?

Hal itu tidak akan terjadi bila Anda mau menyisihkan sedikit dari Income (1 sd 5 % dari penghasilan Anda) bersama :

PRULINK ASSURANCE ACCOUNT PLUS (PAA+)

Pendidikkan anak Anda terjamin pasti dan Anda terhindar dari Kesulitan Keuangan

Biaya Pendidikkan putra-putri Anda memang mahal … tetapi bisakah Anda membayangkan betapa mahalnya harga yang harus dibayar oleh Putra-putri Anda, Apabila Anda sebagai Orang Tua GAGAL dalam menyediakan Biaya Pendidikkan mereka.

PRULINK ASSURANCE ACCOUNT PLUS (PAA +)

Adalah tabungan yang dirancang khusus untuk memastikan biaya pendidikkan putra-putri Anda dengan cara yang sangat mudah dan memberikan hasil yang sangat besar . Anda cukup menyisihkan sebesar Uang Saku dari Putra-putri dalam Tabungan PAA + dan Biaya Pendidikkan itupasti tersedia.

SETORAN DAN JANGKA WAKTU YANG FLEXIBLE

Dengan PAA +, Anda bebas menentukan kapan lama setoran tabungan, mulai dari 10 tahun, 7 tahun, 5 tahun dan 2 tahun saja, dan jumlah setorang bisa disesuaikan dengan keadaan keuangan atau budget bulanan Anda. Anda juga bisa dengan leluasa menarik setoran lanjutan sewaktu-waktu dikala Anda memerlukannya, dengan minimal penarikkan sebesar Rp. 500.000 dan saldo tabungan setelah penarikkan sebesar Rp. 1.000.000 (satu juta). Setoran juga tersedia dalam mata uang Rupiah dan Dollar.

PEMBAYARAN MELALUI KARTU KREDIT

Fasilitas ini memungkinkan Anda tidak perlu repot dating ke bank setiap kali mau menabung, Anda bisa hemat waktu, hemat bensin, hemat tenaga dan aman, PAA + bisa disetorkan melalui Kartu Kredit semua bank dan tidak ada pembebanan 3 % alias gratis 3 % yang umum pada saat Anda membeli suatu barang.

SUKU BUNGA BERSAING

Tabungan ini sangat transparan dalam hal bunga, bunga dari PAA + dikelola oleh para Profesional di bidang pengelolaan uang (Prudential Asset Management= PAM) dari Singapore dan Hongkong, sehingga Anda tidak dirugikan bila menabung secara rutin dalam jangka panjang. Bunga diberikan dalam kondisi Netto, bebas pajak, PAA + pasti memberikan hasil Investasi yang lebih besar daripada Tabungan Biasa.

Dana Investasi	Rata-rata % per tahun
Deposito Bank	9.39 %
PAA +	15,44 %

OTOMATIS PERLINDUNGAN ASURANSI

PAA + memberikan perlindungan Asuransi untuk setiap nasabah dan memastikan tersedianya Dana Pendidikan pada Putra-putri Anda di saat Anda sebagai Orang Tua (Ayah atau Ibu) salah satu terkena atau bisa keduanya yang terkondisi Sakit Kritis maka PRUDENTIAL sebagai penerbit PAA + akan menabungkan Tabungan PAA + Putra-putri Anda sampai usia anak Anda mencapai 25 tahun, walaupun pada kenyataannya Orang Tua dari Anak telah sembuh dari Sakit Kritisnya, komitmen ini dibuat sejak awal masuk dan akan diselesaikan sampai anak Anda mencapai usia 25 tahun.

Bila Anda membuka Tabungan PAA + untuk anak Anda (sebagai Tertanggung Utama) dan Anda sebegai Orang Tuanya sebagai (sebagai Tertanggung Tambahan 1 dan Tertanggung Tambahan 2 ) maka semua manfaat Fasilitas adalah untuk Tertanggung Utama seperti al :

- Rawat Inap

- Rawat ICU

- Bedah atau Operasi

- Aneka Perawatan di Rumah Sakit

- Visit Dokter di Rumah Sakit

- Juru rawat di rumah sejak keluar dari Rumah Sakit

- Biaya Ambulance

- Dll

Semakin besar nilai tabungan yang Anda sisihkan untuk menabung di PAA + maka makin besar pula Asuransi gratis yang diberikan.

Masa Perlindungan kepada Tertanggung Utama seumur hidup (99 tahun)
Rekening ini memberikan kemudahan tarik setor seperti tabungan di bank dengan saldo minimal setelah penarikkan sebesar Rp. 1 juta.
PAA + memastikan fungsi Anda sebagai Orang Tua yang menabung buat Pendidikan anak Anda tetap terjaga sampai anak dewasa mencapai usia 25 tahun.

TRANSPARANT DAN UPDATE PAA +

Setiap nasabah yang membuka Tabungan PAA + akan dikirimkan Surat Pernyataan Transaksi yang menjelaskan dan mencerminkan pertambahan nilai tabungan Pendidikkan Putra-putri Anda di setiap bulannya.

Setiap tahun Pihak Penerbit Tabungan (Prudential) akan mengirimkan Laporan Tahunan mengenai Kinerja hasil Investasinya secara mendetail dan terinci.

SYARAT MEMBUKA TABUNGAN PAA +

Minimal setoran awal sebesar Rp. 300.000 (tiga ratus ribu) atau menabung perhari Rp. 10.000,- dengan jangka waktu menabung yang ideal adalah 10 tahun dan setoran maksimal setoran tidak terbatas, bisa dalam Dollar ataupun Rupiah..
Mengisi Formulir Aplikasi SPAJ
Melampirkan Fotokopi Akta Lahir anak atau Surat Keterangan Lahir dari Rumah Sakit + FC KTP orang tua dan + FC buku imunisasi anak.
Melampirkan bukti setoran awal (setor tunai/transfer/kartu kredit dsb)

Perkiraan Biaya Pendidikan (Universitas) di Indonesia

Jurusan	Tahun 2000	Tahun 2010	Tahun 2018
Ekonomi / Bisnis	Rp. 40.000.000,-	Rp. 114.000.000,-	Rp. 266.000.000,-
Teknik Industri/Komputer	Rp. 55.000.000,-	Rp. 157.000.000,-	Rp. 366.000.000,-
Kedokteran	Rp. 60.000.000,-	Rp. 172.000.000,-	Rp. 399.000.000,-

Biaya termasuk Uang Pangkal, Biaya Kuliah, Buku, Tempat Tinggal dan Uang saku

Berikut perbandingan Biaya Pendidikkan Anak di Amerika Serikat dengan perkiraan Uang Pangkal, Biaya Kuliah, Tempat tinggal dan uang saku.

Perkiraan Biaya Pendidikkan (Universitas) di Amerika

Jurusan	Tahun 2000	Tahun 2010	Tahun 2018
Ekonomi / Bisnis	USD 34,000	USD 51,000	USD 70,690
Teknik Industri/Komputer	USD 46,000	USD 69,000	USD 95,648
Kedokteran	USD 55,000	USD 82,000	USD 113.669

Biaya termasuk Uang Pangkal, Biaya Kuliah, Buku, Tempat Tinggal dan Uang saku

Melihat besarnya biaya pendidikkan diatas, adalah sangat bijaksana kalau sebagai orang tua kita mulai merencanakan biaya pendidikkan tersebut sejak dini, Perencanaan yang baik akan membantu kita untuk dengan mudah mewujudkan masa depan yang lebih pasti bagi putra-putri Anda.

CONTOH PERENCANAAN DENGAN PAA +

Bapak Ali berusia 32 tahun, istrinya berusia 28 tahun dan Putranya Brian usia 8 tahun.

Beliau memutuskan menabung selama 10 tahun dan menabung perbulannya sebesar Rp. 2 juta dengan kombinasi 50 % untuk Asuransi dan Tabungan 50 %,

Maka Brian mendapat nilai Tabungan di usianya (asumsi 15 % per tahun) adalah sbb :

Usia 17 tahun maka saldo tabungan PAA + = Rp. 313.108.000,- (tidak jadi diambil-2)

Usia 20 tahun maka saldo tabungan PAA + = Rp. 448.457.000,- (tidak jadi diambil-2)

Usia 25 tahun maka saldo tabungan PAA + = Rp. 855.237.000,-

Usia 50 tahun maka saldo tabungan PAA + = Rp. 26.833.458.000,-

Dengan menabung Rp. 2 juta perbulan, biaya itu akan tercukupi dan juga anak serta orang tua sebagai tertanggung utama dan tertanggung tambahan 1 dan tertanggung tambahan 2 dilindungi oleh manfaat Asuransi al :

Manfaat Meninggal (tertanggung utama) = Rp. 500.000.000,-
Manfaat bila Tertanggung Tambahan 1 sakit kritis = Rp. 24.000.000,- sd usia anak 25 tahun.
Manfaat bila Tertanggung Tambahan 2 sakit kritis = Rp. 24.000.000,- sd usia anak 25 tahun.
Manfaat Rawat Inap/hari (tertanggung utama) = Rp. 750.000,- system kartu
Manfaat Rawat Inap ICU (tertanggung utama) = Rp. 1.500.000,- system kartu
Rawat Inap/hari (tertanggung utama) = Rp. 640.000,- system rembursment
Rawat Inap ICU (tertanggung utama) = Rp. 1.280.000,- system rembursement
Jadi Total Rawat Inap untuk tertanggung utama sebesar Rp. 750.000,- + Rp. 640.000,- = Rp. 1.390.000,- per hari di Rumah Sakit.

Seseorang pernah menuliskan sebuah kata-kata indah yang perlu kita renungkan. Meskipun dia sudah tidak bisa lagi kita temui, hasil karyanya yang menyentuh hati, pengabdiannya yang totalitas, membuat dia akan tetap dikenang dan tertulis dengan “TINTA EMAS” dalam sejarah kehidupan manusia.

To keep a lamp Burning, You must keep putting Oil In it. (Mother Theresia)

Benar untuk menjaga supaya pelita tidak pernah padam, kita harus mengisinya dengan minyak terus menerus. Setiap kepala keluarga adalah pelita di dalam Rumah Tangganya, meskipun Cahaya Pelita tidak seterang Cahaya Lampu, tetapi terangnya sangat berarti untuk menerangi rumahnya dari kegelapan malam. Terang Cahaya Pelita jauh berharga daripada hatga minyak yang harus kita isikan kedalam pelitanya. Ijinka anak dan istri Anda menuliskan sebuah Cerita Indah tentang diri Anda dengan TINTA EMAS.

Tuliskan pula nama Istri dan nama Putra-putri Anda pada PAA +

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