Sebelum kasus ini terbongkar, pria berinisial T itu membawa anaknya tersebut ke Kabupaten Pangkep untuk menghindari kemarahan istrinya.
Menurut Kepala Unit Perlindungan Perempuan dan Anak (Kanit PPA) Polres Takalar, Aipda Suanto, kasus ini terbongkar setelah istri pelaku, curiga karena anak dan suaminya tiba-tiba menghilang.
Karena kecurigaan itulah, sang istri kemudian melaporkan suaminya ke polisi, Rabu (4/12) lalu.
Hasilnya, pelaku dan putrinya berhasil ditemukan di sebuah kamar kost di Kabupaten Pangkep.
Pelaku T, dibawa ke Polres Takalar. Sedangkan sang anak dibawa ke RS Bhayangkara, Makassar untuk menjalani pemeriksaan kesehatan.
Di hadapan polisi, T mengakui menggauli putri kandungnya tersebut selama dua tahun terakhir.
Saat itu, H masih duduk di bangku SMP.
Akibatnya, H hamil enam bulan.
Karena malu, H kemudian dibawa ke Pangkep selama kurang lebih tiga minggu.
Hasil pemeriksaan dokter di RS Bhayangkara, Makassar, H dinyatakan positif hamil enam bulan dan kini berada dalam pengawasan dokter rumah sakit.
Berikut fakta-fakta terkait kasus asusila di Kabupaten Tekalar:
1. Korban H diperkosa oleh ayahnya
Hasil pemeriksaan terhadap korban H dan ayah kandungnya, aksi tidak senonoh tersebut awalnya terjadi pada pertengahan 2017 lalu.
Kala itu, korban pulang dari sekolah dan hendak ganti pakaian di kamarnya.
Pelaku T yang melihat anaknya, langsung memeluk dari belakang dan memaksa untuk melayani nafsu bejatnya.
Korban melawan, namun sia-sia karena tenaga pelaku lebih kuat.
2. Aksi bejat dilakukan setiap minggu
Menurut pengakuan T, anaknya digauli sekali dalam seminggu.
Aksi bejat itu hanya berhenti jika anaknya tersebut sedang datang bulan.
“Dia selalu berontak setiap saya mau. Biasanya dalam sekali seminggu saya berhubungan badan. Kecuali kalau datang bulan,” kata T.
3. Ibu korban sering keluar rumah
Aksi bejat yang dilakukan T terhadap putri kandungnya, bebas dilakukan lantaran sang istri sering keluar rumah untuk bekerja di sawah.
Melihat hal itu, T menggunakan kesempatan saat istrinya sedang tidak di rumah untuk menggauli anak kandungnya sendiri.
4. Pelaku pernah ingin menggugurkan kandungan anaknya
Mengetahui anaknya sedang hamil, T pernah berusaha menggugurkan kandungan yang dikandung oleh anaknya.
Pelaku pernah membeli beberapa obat yang diyakini bisa menggugurkan kandungan.
Belakangan, janin yang dikandung oleh H ternyata kuat dan tidak bisa digugurkan.
5. Pelaku siap menikahi putrinya
Setelah kasus ini terungkap, pelaku mengaku bersedia bertanggungjawab agar anak yang dikandung oleh putrinya tersebut punya ayah.
Ia bersedia menikahi anak kandungnya sendiri.
“Perbuatan itu memang tidak senonoh tapi mau bagaimana lagi, sudah terlanjur. Kalau disuruh bertanggungjawab, saya mau menikahinya,” kata T.
Sumber: TribunTimur.com
Term life insurance policies can be purchased to cover nearly any period of time, and will stay in effect for the entire period as long as you continue to pay the premiums (the cost of the policy, which can be paid on a monthly or annual basis). While term life insurance doesn’t accrue a cash value over time, meaning you can’t borrow against it, a term policy has a low cost by comparison and is still customizable to an individual’s situation.
Payouts
Term life pays out the value of the policy upon death in almost all circumstances. This payout is called the death benefit or face value of the policy, can vary from $10,000 to above one million dollars. The amount of coverage you need depends on your particular financial situation, but you generally want to make sure your family will be able to cover any outstanding financial obligations, such as your:
Mortgage
Children’s education (including college tuition)
Funeral costs
Auto loans
Student loans
Living expenses (for a number of years)
If you pass away within the number of years the term policy is active, than the beneficiary would submit a claim. The life company may take some time to investigate the circumstances of the death but, if all passes muster, then the insurer will pay out the death benefit or protection amount in a lump sum or in annual payments. Make sure to let the beneficiary know about the life insurance policy, as if they don’t know to file a claim they may not receive the death benefit.
One exception to that rule is suicide. Insurance companies all handle this differently so we recommend that all parties read through the terms. In general, suicide within 2 years of purchasing the life insurance policy is excluded from being paid out.
Types of Term Life Insurance Policy
Term life insurance policies vary according to several factors, meaning the policy that is best for one person may be non-optimal for you. It’s important to understand how each of these policy features work in order to find the product that is best for your family and financial plan.
Length of Term
When choosing a term policy, you have to pick how long you want the coverage period, or term, to be. If the insured person departs within that time frame, the listed beneficiaries will receive funds from the life insurance company. While some policies are as short as one year, term policies are generally available in periods of:
5 years
10 years
20 years
30 years
As an alternative, many insurers also offer the option of term coverage until you reach a certain age, such as 65. This is essentially the same product, as it offers coverage for a pre-determined number of years so long as you consistently pay the premiums, however builds in flexibility regarding the exact time length. For example, if you intend to retire at 70 and have determined that you’ll need $750,000 to cover your family’s costs post-retirement, but you’re 60 and have only saved $600,000, you may choose a term life insurance policy that offers $150,000 of coverage should anything happen to you before then.
Level or Decreasing Term Life Insurance
The key question to ask when choosing between a level and decreasing term life insurance policy is whether your dependents would need less coverage should you pass closer to the end of the term than they would should you pass in the next few years. Level term life insurance, by definition, offers the beneficiaries the same payout over the entire length of the term.
Decreasing term life insurance may be more appropriate if you’re in the process of paying back loans and want coverage to make sure these wouldn’t be transferred to your dependents. You pay a flat premium over the duration of the policy, but the face value (death benefit) of the policy decreases over time. The idea is that a person may need a higher death benefit earlier in life (as they're paying off their home, raising children, etc.) than they do as they get older.
Say your spouse’s income is high enough to cover normal living expenses, but not the 20-year $500,000 mortgage on your house. You might choose a decreasing term policy for a similar term length and initial death benefit equal to the outstanding mortgage loan, since you know your spouse will be financially stable once the mortgage is paid off and you know the time it will take to pay back the loan.
Renewable Term Life Insurance
Short term life insurance policies often have the option of being renewable, meaning each year (or 5 years, depending on the term) you essentially purchase a new policy with the same insurer, under the same terms. The benefits of this type of policy are that you can get coverage for a short period and have the option to renew without going through a lengthy underwriting process. But the downside is that your premiums will increase each time you renew, as you’re older and in a higher risk bracket.
These policies can be helpful if you have a significant financial obligation for a short period of time but are unsure of the exact number of years. New small business owners, for example, may take on significant debt to launch their venture and have an approximate timeline for paying that debt off. However, if the actual time to profitability is 7 years instead of 5 years, as planned, the business owner may want to renew their life insurance policy to make sure any debts would be covered.
Simplified Issue and No Medical Exam Life Insurance
Simplified issue term life insurance, also referred to as “no medical exam” life insurance, may sound great, but is a significantly more expensive product that may not be worth the convenience. While the underwriting process for life insurance can take several weeks, the actual medical exam is quite short (often less than 30 minutes) and can often be scheduled to take place at your home or work. This means a no medical exam policy may cost you thousands of dollars in additional premiums over the term of the policy, while saving you less than an hour.
The only time no medical exam life insurance may be a good financial decision is if you question your ability to pass a medical exam. However, as part of the application process, you’ll still be required to complete health and lifestyle questions in the insurance application and, in the case the insurer finds you’ve misstated anything, your policy may be canceled.
Convertible Term Life Insurance
Many insurers offer convertible term life insurance policies, meaning that for a specified period of time you can convert the term policy to a permanent life insurance policy without going through a new medical review. We recommend having a convertible term policy as your financial situation will change over time and, for example, if your income rises and you later decide that you want a permanent life insurance policy to take advantage of the tax benefits, that option will be available.
As having a convertible policy doesn’t change the insurer’s risk while you maintain the term policy, it shouldn’t increase your premiums and is generally just beneficial as it offers convenience should your financial situation change. Just make sure to note the period of time during which you’re allowed to convert the policy.