Hal mengejutkan terjadi di salah satu sekolah menengah di Lampung. Ditemukan 12 siswi disatu sekolah yang sama dalam kondisi hamil.
Melansir dari Tribun Lampung, temuan Perkumpulan Keluarga Berencana Indonesia (PKBI) Lampung ini cukup mencengangkan.
Hal ini berkaitan dengan adanya pergaulan bebas yang terjadi pada anak muda masa kini.
Pergaulan bebas ini cukup riskan, terutama di lingkungan anak sekolah, kampus, maupun anak kos.
Direktur PKBI Lampung Dwi Hafsah Handayani menyampaikan dirinya pernah melakukan survei ke apotek di sekitaran kampus dan kosan.
Hasil survei yang dilakukannya pun mendapati temuan ternyata barang yang paling laris dibeli adalah kondom dan testpack atau alat tes kehamilan.
Bahkan Hafsah mengatakan, tak tanggung-tanggung 100 kondom terjual dalam satu bulan. Menurutnya, hal ini jelas sangat memprihatikan.
Bahkan diakuinya, ada kejadian disatu sekolah menengah pertama di Lampung sebanyak 12 anak didik hamil.
Siswi yang ditemukan hamil itu pun terjadi merata di kelas VII, VIII, dan IX.
“Sekolah bilang bersih, tapi dicek di guru BK, ternyata ada muridnya yang hamil,” kata Hafsah, seperti dikutip dari Tribun Lampung.
“Siswi SMP ada 12 yang hamil di satu sekolah. Itu ada di salah satu kabupaten di Lampung,” terangnya.
Tak hanya terjadi pada siswi SMP saja, kejadian anak sekolah yang ditemukan hamil juga terjadi pada siswi SMA di Lampung.
Menurut pantauan PKBI, persoalan kehamilan di luar nikah pada kalangan pelajar ini terjadi merata di banyak sekolah.
Baik di sekolah di Kota Bandar Lampung maupun di daerah kabupaten.
“Hampir di setiap sekolah ada persoalan kehamilan di luar nikah tadi. Bahkan beberapa kasus terjadi di SMP,” ujar Koordinator Pencegahan HIV PKBI Lampung, Rachmat Cahya Aji.
Dari penatauannya, ia pun menceritakan pernah ada temuan kasus serupa yang menimpa 10 siswi SMA.
Dalam satu tahun, ada sepuluh kasus kehamilan yang tak di inginkan terjadi di satu sekolah yang sama.
“Ada sekolah yang dalam lima tahun terakhir tidak ada kasus kehamilan yang tidak diinginkan. Kasus 10 siswi SMA hamil itu terjadi pada 2016, itu terjadi di satu SMA,” ungkapnya.
Umumnya, para pelajar ini hamil dengan pacarnya, yang rata-rata juga masih sama-sama usia pelajar atau mahasiswa.
Kasus ini pun cukup membuat miris karena banyaknya temuan pelajar yang hamil di luar nikah.
Terlebih lagi bila para siswi tersebut adalah korban dari perbuatan orang dewasa.
Kasus kekerasan terhadap anak, termasuk hamil di usia anak ini dikatakan terus meningkat setiap tahunnya.
Menurut Aji, semua hal ini berkaitan erat dengan kurangnya pengawasan orangtua pada anak.
Kondisi rumah atau hubungan orangtua dan anak yang tak nyaman akan membuat anak mencari kenyamanan lain di luar rumah.
Pada akhirnya bisa membuat mereka terjerumus ke hal-hal negatif seperti seks bebas.
Hal ini sesungguhnya bisa dicegah dengan adanya edukasi dini pada para pelajar ini mengenai kesehatan reproduksi.
Hafsah menerangkan, bahwa pada dasarnya sekolah memegang peranan penting untuk melakukan edukasi tersebut kepada siswanya agar mencegah adanya pergaulan bebas.
Aji menambahkan, pengetahuan pelajar tentang kesehatan reproduksi memang masih minim. Hal ini dikarenakan pendidikan seks masih dianggap tabu.
“Sehingga banyak remaja tidak mengetahui akibat dari perilaku seks yang berisiko, yang mengakibatkan kehamilan yang tidak diinginkan,” ujarnya.
Untuk itu, pihak PKBI pun telah menyelenggarakan adanya program konseling kesehatan reproduksi.
Program ini tidak hanya memberikan buku, tetapi juga mengajari guru cara mentransfer isi buku tersebut kepada siswanya.
Program ini pun telah dijalankan di beberapa sekolah di Bandar Lampungsejak Agustus lalu.
Sumber: nakita.grid.id
How Does Whole Life Insurance Work?
Since whole life insurance is a type of permanent life insurance, you will continue to have coverage for your entire lifetime so long as the premiums are paid. In the case that you pass, the policy beneficiaries should file a claim with the insurer, after which point the circumstances of your death will be reviewed and receive the payout (also called a death benefit or the face value of the policy) so long as everything is in order.
This process may sound simple but, for example, if your child doesn’t know they are the beneficiary to your life insurance policy, they may not be able to claim the payout should you pass, so make sure to keep your family informed.
Each whole life insurance policy consists of a few key elements:
Death benefit
Also called the face value of the policy, this refers to the payout the beneficiaries will receive upon your passing. Death benefits are tax-free so long as you’re below federal and state estate exemption levels, which is the case for most households as the federal exemption level is approximately $5.5 million and only 18 states impose estate or inheritance taxes. Policy face values are typically available in increments of $50,000 or $100,000, though they can go up to several million dollars. Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it’s important to evaluate your family’s needs before deciding to purchase.
You may see products, such as final expense whole life insurance, with death benefits as low as a few thousand dollars. These policies tend to be less expensive as they have a low face value and are designed to cover end-of-life costs. Given the average cost of a funeral is around $10,000, these policies can be incredibly valuable if your family doesn’t have an established emergency fund, or would be put in a difficult financial situation trying to cover burial expenses.
Premium
This is the cost of the policy, and can be paid annually, bi-annually, or monthly, depending on your insurer. Premiums are generally paid for the life of the policy, though some choose to pay a higher premium for a shortened period of time, such as 20 years, in order to make sure their policy doesn’t lapse later. This option can often be useful for people that currently have high incomes that can cover the costs, and want to lock-in coverage for their family no matter what happens to their income in the future. If you’re able to afford it, this can be a simple way to reduce your family’s financial risk profile.
Cash value
As with other permanent life insurance policies, whole life insurance accrues a cash value over time. The cash surrender value is what you get if you surrender the policy to the insurer. It is not added to the face value of the policy, which your beneficiaries get if you pass away.
The cash value grows tax-deferred over time, and is guaranteed to grow at a particular rate in the case of whole life policies. This is why whole life insurance policies are often referred to as an investment vehicle. While the guaranteed rate of return on the cash value may be lower than other financial products, it can lower the overall volatility of a portfolio (though this benefit assumes you have a breadth of existing investments). The cash value can be used to:
Pay premiums
Purchase additional coverage
Withdrawn (in certain cases)
Provide a tax-free loan (for emergency expenses, a mortgage, or other needs)
Keep in mind that if you’ve borrowed against the cash value of your policy and pass away, the loan will be deducted from the policy’s death benefit.
Dividends
Dividend paying whole life insurance, also known as participating whole life insurance, refers to policies offered by certain insurers that pay a dividend in the case that the insurer performs better than expected. Essentially, you, as a policyholder, get to participate in the profits of the company (as determined by the insurer once they’ve paid all death benefits and other business expenses). As a simplified example, if the insurer collected $90 in premiums and made $10 in other income, but only spent $95 in payouts and costs to run the company, the $5 remaining would be shared across the policyholders as a dividend.
Given that dividends are dependent on your insurer’s performance, there’s no guarantee they’ll be paid each year, though some insurers have consistently paid dividends for decades. If you’re considering whole life insurance policies from two insurers with the same features and premiums, that one insurer offers dividends is certainly an advantage to note.
Guaranteed acceptance & no medical exam whole life insurance
While the medical exam isn’t actually a component of a life insurance policy, it’s a fairly standard requirement that goes alongside the underwriting process, both of which are used to evaluate your health and determine your premiums. Some insurers offer no medical exam, meaning you still have to answer questions about your health and medical history, but aren’t evaluated in-person. This option sounds great, as people often think of a long, in-depth exam in a doctor’s office. However, the exam is generally quite short (about 30 minutes) and can be scheduled at your work or home. What this means is that you’d be paying significantly higher premiums (since the insurer is taking on additional risk) to avoid a relatively painless medical exam.
Similarly, guaranteed acceptance whole life insurance offers the ability to skip detailed health questions and the medical exam, but premiums will be even higher and the death benefit will be limited (typically less than $100,000). In addition, there’s generally a restricted period for the first few years of coverage, so if you pass during that time your beneficiaries won’t receive the full payout. Unless you have concerns regarding your ability to get coverage, such as if you’ve been diagnosed with a life-shortening condition like cancer, our analysis indicates this is a poor choice for most people.