Kejadian ini sempat heboh, saat warga ketakutan dengan apa yang mereka lihat.
Dilansir Islamidia, peristiwa mengerikan itu terjadi di Labuhan Batu Selatan, Sumatera Utara.
Gadis belia itu menjelma jadi ular berkepala anjing.
Namun anehnya, banyak warga setempat termasuk juga piranti desa, kompak tutup mulut masalah jati diri gadis dan ibu malang itu.
Ia tinggal bersama ibunya yang sehari-hari bekerja serabutan.
Kadang mencuci pakaian tetangga, kadang ikut kerja upahan dengan tetangga lain.
Hingga suatu saat, gadis itu sangat ingin memiliki motor seperti teman sebayanya.
Namun sayang ibunya yang tak memiliki uang tak bisa memenuhi permintaan anaknya.
Alim ulama bernama UT itu menceritakan.
Artikel ini telah tayang di tribunmanado.co.id dengan judul Kisah Nyata, Siswi Cantik ini Berubah Jadi Seperti Anjing
If you’re a relatively healthy senior, you’ll likely qualify for guaranteed universal life insurance. This is essentially a term life insurance policy that lasts until you’re 121, or a particular age specified in the policy document. Since you can choose how much coverage you need and there’s a short medical exam, a guaranteed universal life insurance policy will be your cheapest option for covering funeral expenses. It also has the benefit of offering much higher death benefits if you have a mortgage or other financial obligation to cover.
If you’re unable to pass a medical exam but can still participate in normal activities without assistance, you should consider simplified issue whole or guaranteed universal life insurance. Since there’s no medical exam, it’s costlier, but still affordable as final expense insurance. Some insurers offer less than $100,000 in coverage, while a couple provide death benefits up to $500,000, meaning you can also cover other financial obligations if needed.
Guaranteed acceptance life insurance is the most expensive form of coverage, and we wouldn’t recommend this policy for burial insurance unless you were unable to qualify for any alternatives. And, if you are that unwell, be sure to note how long the policy’s waiting period lasts. During the waiting period, if you pass away, your beneficiaries will only receive the sum of your premiums paid plus interest. You typically need to pass away at least 2 years after purchasing coverage for your family to receive the full payout.
Burial Insurance vs Pre-Need Funeral Insurance: What’s the Difference?
Burial insurance is sometimes referred to as funeral insurance, but these are both distinct products from pre-need funeral insurance. We do not recommend pre-need funeral insurance and suggest you instead purchase final expense coverage in whatever form best fits your health and financial situation.
Pre-need funeral insurance is similar to a burial insurance policy with a few key differences:
The beneficiary is either a particular funeral home or funeral director.
The death benefit is typically tied to the cost of a particular set of services offered by the funeral home.
Payments are typically only offered for a fixed period, during which you pay installments.
If you decide that you no longer want the policy and ask for it to be cancelled, you may either receive a portion of premiums back or nothing at all.
Policies are typically sold by the funeral home or an insurer associated with them (such as the Funeral Directors Life Insurance Company) instead of an independent agent.
If you’re considering a pre-need funeral insurance plan, you should first note that it’s not actually legal in every state for a funeral home to be named the beneficiary of a life insurance policy. You should also consider that, while insurers have financial strength ratings, funeral homes do not. This means that a funeral home may simply go out of business before you pass away.
Pre-need funeral expense policies are also very inflexible. If you want to make any changes to the funeral later on or move and need to change the funeral home, you may not be able to. In addition, if you purchase non-guaranteed funeral insurance instead of guaranteed funeral insurance, prices aren’t locked in. Therefore, if the funeral home’s costs for services increase and become greater than the policy’s death benefit, your family would need to pay for the difference. On the other hand, if prices go down, your family won’t receive any excess death benefit.