We work hard to earn money and accumulate assets to achieve happiness with the people we care about and love. The income we generate will establish a lifestyle that we profess in the family. Revenue also determine our decisions regarding the child's education, vacation, investment, retirement plans, or social activities. Would be very happy if we continue to have good health and income.

However, in this life there such a thing we can berkuran Gatau ketidakpastian.Pendapatan lost due to termination of employment (FLE) or physical and health condition does not allow it to work again. If our income is reduced or lost, the solution is to improve performance or to get a new and better job. If we fall ill, enough that the amount of savings and assets to fund hospital treatment, especially if you are sentenced to a doctor suffering from a critical illness such as cancer, diabetes, or heart?

Things tersebutakan reduce the amount of funds set you and disrupt your income. If your income is interrupted or even interrupted, whether the money and assets that you leave enough to meet the needs of his wife and child realize the dream of your children?

Family Income Protection Very Important

You may have witnessed the lives of a family that is changed drastically, especially when the backbone of the family was not biased work anymore because of critical illness or permanent total disability. Karenaitulah, income protection backbone of the family becomes very important in supporting the welfare of the family.

In menyaipkan family income protection, we must take into account all possible risks terjadi.Sebab the risk can disrupt the ideals that have been planned. Life insurance can protect revenue lost or greatly reduced due to illness or accident. Now, many insurance companies which provide protection against revenue for the critically ill. So, if a person develops a critical illness, the insurance company will provide a special benefit to a certain age, according to the agreement. With the protection of this insurance, a revenue stream for the family will still be there, so the family remains biased to continue her life according to lifestyle and ideals before.

Then, how do I calculate the family income protection? Here is the formula:

Cost of living per month x 12

Assuming interest rates on deposits per year

Suppose that a family spending per month Andri has Rp 10 million and deposit rates of 6% per year. So the calculation is as follows:

Rp 10,000,000 : 6% x 12 = Rp 2,000,000,000

So, as the backbone of the family, Andri expected to have a life insurance with a sum insured of Rp 2 billion to protect the welfare of his family.

Then, when it is appropriate to make the protection of the family income? The earlier start, of course, the better. Especially in productive middle age. Thus, you and your family can achieve prosperity through financial security.