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In this life we often see a variety of activity performed by man. Some people are busy with work, there is busy with his hobby, there is a world steeped in education, some are busy amassing wealth, the pursuit of rank and position, and so many other busy-busyness performed by humans in their daily lives. Then the question arises in our minds. What we actually are looking for in this life?

No one who wants her life unhappy. Everyone wants to be happy. But few who understand the true meaning of happiness. Happy life is a dream every person, even a symbol of the success of a life. Not a few men who sacrificed everything to achieve it. Hanging ideals peak towering to the skies with these goals is how to live happily.

Defining a happy life it is easy to be expressed in words and very easy to set in the form of the sentence.

In fact has a lot of people who appear to define it according to their respective point of view, but they have yet to find a bright spot. Economists define it according to the fields of economy and science goals. Art experts define it according to the science of art. Psychologist would define it according to the science of the soul is happiness, but to make it easier to understand it’s good we look far into ourselves. Where lies the happiness within ourselves?

Will we find happiness in our mind in the form of a sense or feeling. be it satisfaction, peace, serenity, and tranquility of life. In everyday life we see the people will be happy when his wish fulfilled. For example, when one wishes to marry someone who is a hero, and he will be happy when the desire is satisfied, so does the desire to have a mansion, luxury cars, a lot of wealth, social status and various other desires. Then people will be happy when that desire fulfilled.

The problem that emerged later was that human desire is not limited. People happy when their wishes fulfilled, but happiness is obtained only temporary because after a single unfulfilled desire, a desire that others would appear that, of course delete the happiness of the first fulfillment of desire, so it will always happen after getting happiness upon fulfillment of a desire to appear Another desire is to remove the previous happiness.

To friends who had always been faithful want to take the time to glance at this simple blog, I say a sincere appreciation of the deepest heart, I hope our friendship forever eternal.

There is an interesting aritkel sy read a few days ago which is very good about life. We can dream big, but must be balanced with action to achieve our dreams are.

Einstein said that: “There are two ways to live, that is lived with miracles or live with mediocrity”.
Nowadays many selogan issued by many people who seemed to anesthetize our topic: “Stop Dreaming Start Action”. I said that the slogan was completely untrue.

Why? Let us imagine, everything that you are living now is not separated from the ‘dream’ or a dream you are either a few years ago, right?

History of transport aircraft that became a favorite today originated from a dream come true. Thomas Edison discovered the light bulb is also a big dream of him to enlighten the world.

So we all must remain totally cultivate our big dreams to make changes that help make the world a more advanced and useful to many people.

So two ways to live this life and both are true.
1. With great miracle because we totally surrender to the power of God Almighty, and
2. With mediocre, because yach … this is how life really is.
And all the people if asked, they would likely choose number one, because by nature (holy) we are all creations of the Almighty God to always be close to Him.

So, let us live this life with magic, to always be thankful every what we get

A lot of us are worried in regards to the future, that’s the reason we must position the future with uncertainty in the prospective logical, with techniques that is really good to position.

If all things are uncertain, it implies that all things are possible. In case you start your own personal business will not succeed, then it will work. So every time there is usually a chance to fail, this would mean there is definitely a possible opportunity to succeed. We just have to behave that produces us more prone to succeed than fail.

So it just an attitude problem, few things are certain when you need it. Unless we establish certainty in the law of cause and effect.

If you want their future uncertain, it turned out looking to the causes that will make us highly paid, in the event that money. In the event that rank, then choose the things that produce us lifted. To be respected, then discover the things that leave us respected. Do not ask for something that is due. Some people feel that own life is uncertain, because demanding things that are actually still watching for the causation of the usb ports. We do not possess the straight away to ask for a bucket of water poured out upon us, if we only had a compact glass. And God only asked to arrange a bucket first. More and more people feel their future is uncertain, as they did not provide something that deserves a spot pour out a blessing. Most of us agreed how the dreams, goals, ideals are important, but if this all does not exist, then work like having big dreams, work just like having a big goal, and work like having a big vision.

This type of person often surprised to succeed. Because he failed to dream of anything, don’t have any purpose, no goal, but it surely works being a man who dreams big. He was up early, look better, work more diligently, insulted can remain patient, paid thanks. Folks that sincerely worked as energized by something great, will achieve similar brings about those who strive with a major goal.

If we earn money, then i am required to serve; if you serve, you ought to be paid. Now the choice is to uncover the money to become required to serve or serve the required paid from the Lord?. Surely an even better option would be to serve. So whoever who now works for an employee, who works not customize paradigm for the investment, but to serve, he’ll almost certainly become more worthy of higher pay. This means you do not have to stop fitting in with serve its focus. So now, make your job as an exilerating opportunity to others. Then be that his breath smelled of private service, which vibrates with the ministry of his heartbeat, his smile for encouraging people.

Therefore we want our future uncertain, it must have been founded through your kindness. The harder uncertain future, greater surely to goodness you founded. No science one is the most powerful / more efficient than science sincerely accept. If we accept we had arrived God, then we have to accept that not one person made God, whose purpose besides to glorify us. So no matter what to us, good or bad; that produces us better, then what are the results is policy. So in the end, even whether it makes us better ugliness, it really is good.

Sincere us to conduct god, because there’s no behavior excluding the purpose He glorifies us. Each soul is usually waiting for something, ie an individual who glowed with goodness. Only a very true up in a state that is busy in the wait. Every one of us are watching for, just that individuals wait so based on our busy while waiting. Don’t wait for that good life, a fast paced health damage. What is certain in everyday life is that people choose. So folks who choose to tell the truth, work hard when young, he’s an easy task to help, they will do not have to worry about his glory times of old. What is certain is to be good people now, so future options laid out by us is one area that good. Because whatever happens, kindness is the most precious wealth.

The future is a mystery. We will never know what will happen in the future. Although we have planned things carefully, the various factors that make change will always be there. In the future there will be a time when we are happy, so sad. Therefore, stay awake.

A child recently submitted the results of his work on a writing competition. This time he felt sure would get ranked because he felt his writing is very good. He continued to wait until the day of the announcement of the winners arrived. However, a moment in which he imagined terlebarnya smile, that’s when he must submit in a slump. He lost.

We’ll often hear the phrase “Man who tried, God who decides”. It’s the lives we live. We are always required to move and do my best, make plans to suit our circumstances, make a list of activities and other fun stuff. However, not all plans that will really happen. When we get a reality, that’s when God answers.

Expect the best and prepare for the worst. This will be something important in our lives. By having hope, we are motivated to achieve it. We are going to be a human being its best efforts to achieve those expectations. Instead, we will feel that life is flat. And in the end, we are not trying to optimize ourselves. We had become a man of static.

However, the high expectations that need to be accompanied by the preparation will be a bad thing. Although no one wants it, the mystery of the future will always give you the possibility of it. Prepare yourself for the unhappiness that will make us become a more powerful when it comes to hit something. Willing umbrella before it rains. That proverb that illustrates this.

Looking expectations without standby will only make us feel more fall sick. And standby regardless expectations will only make us bound in fear. Therefore, let us go forward and prepare for all possibilities. We will become a steady man.

True, this is not just a dream to be able to have a luxury home, or send their children abroad. It all can be realized only by being an insurance agent, a position that is still underestimated until now. In addition to good intentions to help people in distress, various bonuses and commissions that promise of being an insurance agent had a chance to toss a dream.

In contrast, similarly each product will be experienced by an insurance agent. Commissions and bonuses scattered so that evoke the spirit of the agent to achieve higher income and more. Although the insurance company, the commission received different for each product. On average, for a productive agent to sell insurance products aka diligent, can get a much larger commission

sales compensation that will be received by the agent a commission and bonus money if the agent is able to penetrate the average target set by the company. He was also able to enjoy commissions from the sales revenue in subsequent years. Another bonus that will be acceptable for the agent also includes health protection. Old age is assured with the value of pension funds as long as it works alongside companies subsidize part of the employee’s own contributions.

Insurance agent commissions actually depends on how hard they attempt to embrace many clients in taking insurance premiums. Payment pattern like this, the commission plus other bonuses, in contrast to the usual benchmark base salary received by an office employee. Therefore, an agent must be provided with ammunition containing patience, the spirit of hard work, loyalty, honesty, and never give up in order to provide an understanding-not just a good-information to clients about insurance. If successful, the commission and a series of ‘awards’ other was waiting to be enjoyed. If the bonus money may be familiar to an agent can walk out of the country, or around the world.

“People who do not understand how the insurance business helped the audience, they still consider it not a good insurance agent,”

Level of insurance agents generally begins with a novice agent or Financial Advisor, then moved to Associate Unit Manager and Unit Manager, after it became Senior Unit Manager and Agency Manager, until finally lined up to Senior Agency Manager. A promotion that was consistent with increased commissions earned. “If you take office as from the novice agent into Unit Manager aja certainly can and will be automatically added, only the relative magnitude and dependent companies, there is no standard on insurance.

So, dare to try?

Today more and more comfort might be realized in every stage of human life. The secret to the insurance program.

What a wonderful life if someone can always pass through each stage of life with a feeling of comfort and tranquility. Feeling comfortable with a sense of meaning without worrying if suddenly something happened next that caused it can not continue their education, can not enjoy proper health care, and can not enjoy a serene old age mainly due to problems of financial adequacy.

Real sense of comfort is now increasingly be realized every person with a life plan through an insurance program. Plus lately insurance companies have increasingly innovative in providing insurance products that suit the needs of society.

Especially young families, it’s good to know the benefits of the insurance program in every stage of life. Child as God’s grace to look forward to the parents certainly do not want to be wasted. For the wise man, the insurance program is an educational program ditujukanbagi choice since his daughter’s son was born to achieve my goals, without the worry of dropping out of school because of these things unexpected.

In line with the increase in family welfare, health insurance is also important to follow family members in order to get decent health care if at any time to fall ill. Furthermore, we can plan a comfortable retirement and minimize the risk of loss due to something unexpected happen to us to have life insurance.

No one can guess when and where disasters will occur. Although not inevitable, but at least we can minimize the impact to the insurance program

Usually the people we forget to anticipate the disaster that will inevitably come a time, if the disaster had happened just overwhelmed everything. For things simple but extremely vital that directly relate to him like health problems, the salvation of souls, old days, children and home education often do not think people will ever married and who have a family. So many cases of children not getting proper education, parents who can not afford health throe children when her home fires etc.

Most people still think of insurance as a luxury, so the only person who deserves to have abundant money policy. Some other people do not even care insurance altogether. They think of insurance is only suitable for people who are pessimistic face of life.

Not all insurance policies require expensive premiums. Do we need insurance to cover losses due to risks facing any time: death, sickness, accident, disaster, natural disasters, permanent disability, or simply paint the motor blisters. Let the insurance company that took over the loss of those risks.

Have unimaginable for us all, what will happen to the Son / wife, if we as the backbone of the family got a calamity such as critical illness (for example: Heart Disease, Stroke, Coma, etc.)? Of the Son / wife, will bear this burden. Because we as the backbone has limited resources and efforts in providing a living.

Have unimaginable for us all, what will happen to the Son / wife, if we as the backbone of the family got a disaster and should be treated in hospital because of an illness attacked?

And extreme, what would happen if we as the backbone of the family was called by the Creator in advance?

Insurance has become a necessity at this time. But not much is understood about the risk of anything that does not bear the insurance. Because customers usually do not read the entire agreement daam asuarnsinya. To know what you need to consider the insurance, there should refer to the following article:

How we as a human adult is able to perform risk management in particular to anticipate to the families of our loved ones on the worst possible moment we die as a result of earthquakes or other natural disasters? Can our loved ones survived the financial condition sufficient? While the source of income stops due to the disaster that claimed the lives.

Readers are wise some of the ways of doing risk management is to transfer risk to insurance companies, in the event of death of course we can transfer the risk to insurance companies. But it would be nice for those who already have life insurance is sought to re-examine a life insurance policy that has, as well as for those who do not already have life insurance explanation below may help you to be able to choose the most appropriate insurance product.

A life insurance contract is a contract between the insurer (insurance company) by the insured (customer), but particularly in life insurance contracts known as contracts of adhesion that is a contract made by one party and offered the option of take it or leave it so that the other party (customers) were given only a very small room for bargaining over the benefits that exist in the contract. With regard to the contract issue then it should re-examine the contents of customers’ insurance contracts which are listed in a policy with the aim that our loved ones can receive benefits in accordance with the value stated on the insurance policy.

Readers, there are several clauses that require ‘special attention’ from policy holders and this is because it may cause it to be ambiguous (can be interpreted into several meanings) and furthermore we refer to as ‘gray areas’ or areas that are not obvious from the point of view the customer. Here is a fraction of the examples listed in the contract clause of a life insurance policy:

1. Except
In the life insurance policy written article that says ‘Exemption’ would be helpful to go back and check the article, many insurance companies claim that a natural disaster is one of the reasons for not paying benefits to the insured.

This means that if the insured dies due to the earthquake victims (like the case of an earthquake in Padang that just past) then according to the insurance contract can be ascertained the family left behind will not receive benefits in the form of sum assured.

Indeed, in the contract stated “Natural disasters declared by the government of Indonesia”, to be honest meaning of this sentence is not clear, this is a ‘gray area’ or it can be called an area which can be interpreted with a ‘yes’ or ‘no’, it depends on the conditions, so as the insured or the policyholder is entitled to ask this to the insurer (insurance company). Our advice would be nice if you want to choose a life insurance company please select companies that do not include the clause of the natural disaster.

2. Free Premium Payment

In terms of types of benefits that would be accepted there are some additional benefits in the form of premium payment exemption if it turns out policyholders, taxpayers and or ‘insured’ can not have a good income due to illness or because of an accident.

But usually these benefits can only be done if it has been proven continuously sekurangya within 3 months (90 days) and there is even a life insurance company requires proof of at least 6 months (180 days).

We think this also merupaka ‘gray area’ because during the period of minimum evidentiary requirement 3 or 6 months require the policyholder (payer) to pay a certain premium for a minimum period, if it is implemented then the insurance company claim policy holders (payers) convicted Liberation of the premium income benefits may not work automatically, while if the policyholder (payer) does not pay the premium then the policy would not automatically apply.

From these two instances may be able to explain some of the contents of the contract are ambiguous, because it is natural for the customer to review the contents of the contract life insurance policy. It is certainly intended that our beloved family member can receive benefits as stated in the policy, not to our benefit because of carelessness can not be accepted by the family.

Dear readers, life insurance is a must for the risk of financial loss can be eliminated, but read and understand the contents of the contract is a basic requirement. So hopefully useful, good-elect and re-examine your life insurance.

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Agencies that distribute the risk of so-called “insured”, and the body receiving the risk of so-called “insurer”. The agreement between the two bodies is called the policy: This is a legal contract that explains each of the terms and conditions protected. Fees paid by “tetanggung” to “insurer” for the risks covered by so-called “premium”. This is usually determined by the “insurer” for funds that can be claimed in the future, administrative costs, and profits.

Viewed from some angles, then the insurer has the purpose and techniques of various solutions, among others:
a. In terms of economy, then:
The goal: reduce the uncertainty of the results of the work done by a person or company in order to meet the needs or achieving goals.
Techniques: by way of risk transfer to the other party and other parties to combine a number of substantial risks, so it can be estimated with more precision the magnitude of potential losses.

b. In terms of law, then:
The goal: move the risks faced by an object or a business activity to another party.
Techniques: through payment of premiums by the insured to the insurer in the compensation contract (insurance policy), then the risk passes to the insurer.

c. In terms of Governance Commerce, then:
The goal: to share the risks facing insurance program to all participants.
Technique: transfer of risk from an individual / company to a financial institution engaged in risk management (insurance companies), which will divide the risk to all participants who handled insurance.

d. In terms of the Community, then:
The goal: to bear the loss jointly among all participants insurance program.
Technique: all members of the group (group members) insurance program to contribute (in the form of premiums) to sympathize loss suffered by one / some of its members.

e. In terms of Mathematically, then:
The goal: to predict the likelihood of risk occurrence and the prediction results as a basis for dividing the risk to all participants (a group of participants) insurance program.
Techniques: calculating the likelihood based on the theory of probability (“Probability Theory”), conducted by the actuary and the underwriter.

Is insurance  the right to be owned by someone? Why type of insurance into an important thing to be owned by a person or a family? Because the function of insurance is to protect family assets, be it asset health, life (life of the household head) and assets held in the form of objects (houses, land) from the risk of loss or damage.

But in choosing the insurance that should have turned out to still have to consider financial factors or should be planned carefully. A person or a family must have insurance in the following order:

Health insurance is required to meet the needs when there is a risk of illness to the head of the family and family members. If someone has obtained insurance from the place of work is no longer necessary additional insurance. The amount of supplemental health insurance bid still must be observed and noteworthy in the case of a claim. Not all insurance could be claimed 2 (two) times the (office and his own extra insurance).

Insurance is required to protect assets already owned assets like the house (the residence) and vehicles. If you already have please note the careful protection and ordinances claim.

Disability insurance or critical illness is needed to protect the head of the family from the risk of disability or critical illness. If the policyholder stricken with these risks will decrease the productivity of work. Unfortunately both this insurance can not be purchased separately and should be purchased in combination (in the form of rider) on life insurance.

The last important insurance is life insurance. Its function is obvious, to protect family members from the death of family head. In the event of the death risk family members can still sustain life without loss of family income.

When a person has had health insurance from work or have insurance and assets (homes and vehicles), then the next is to take into account life insurance. Insurance is useful to protect income in case of risk of death. For example, a husband who became the backbone of the family suddenly died of an accident, then his wife and his children can continue their lives by using the cost of living of the outcome of insurance claims.

Life insurance should be selected for those who have income or tight finances is a kind of pure insurance. This insurance is known as Term Life Insurance or Term Life. This insurance can provide protection and peace of mind with protection of high value which is sufficient to protect the family’s needs. However, this type of insurance only pays claims in case of risk of death. That is, when the term of protection was not the policy holder dies then the premiums already paid will be lost. However this insurance protection remains useful as “a precaution” if indeed there is death. Premium amount that is missing is not as big compared to buying insurance with additional savings or investments. Well, are you prepared to have current insurance?