PENGAKUAN Siswa yang Jadi Korban Dipaksa makan kotoran manusia Oleh Seniornya, Disuapi Pakai Sendok
Hukuman ala senior yang menghebohkan terjadi di Maumere, Kabupaten Sikka, Pulau Flores, Nusa Tenggara Timur ( NTT).
Sebanyak 77 siswa dihukuman seniornya (pembina asrama) dengan memaksa untuk memakan kotoran manusia.
Salah satu korban, Ar, siswa kelas VII Seminari Bunda Segala Bangsa (BSB) Maumere, Sikka, NTT, Selasa (25/2/2020), mengaku masih muntah-muntah akibat hukuman tak lazim dari seniornya tersebut.
Menurutnya, kejadian itu bermula ketika salah seorang temannya mengalami sakit.
Ketika hendak buang air, pintu belakang menuju toilet terkunci sehingga tidak bisa keluar menuju toilet.
Akibat tidak bisa menahan rasa ingin buang air besar, siswa itu terpaksa buang air besar di kantong plastik yang berada di dekatnya.
"Saat itu, dua socius kami lewat dan lihat itu. Kakak kelas sempat tanya, kenapa lalu dijawab. Setelah itu, kakak kelas kumpulkan kami semua lalu suruh kami makan kotoran tersebut terus mereka bilang supaya ada sejarah dalam hidup," tutur Ar.
life insurance needs. When entering your senior years, it is a great idea to think about the remainder of your life to consider if you have enough life insurance coverage and if there are better options available.
Applicants in their 60s will find there are few eligibility restrictions for life insurance. However, not every policy will be right for your situation and thus it is important to evaluate if you need life insurance for short-term or long-term needs. A short-term policy, like term life insurance with lengths of 10 to 20 years, can be great if you are still working and need income protection. Longer term life insurance, like a permanent policy, may be a better choice to cover final expenses like a funeral or burial.
We would not recommend standard whole or universal life insurance, as these products are expensive and are meant to be lifelong products that build cash value. Since you would be in the later stages of your lifetime, you would not be able to take advantage of the cash value growth.
Life Insurance for Income Protection
You may still be working when entering your 60s, and if you still do not have life insurance, then purchasing a policy to support those that rely on your income would be a great decision. The best life insurance option would be to buy a term policy that would cover the years that you are working. By aligning life insurance with your working years, you would protect your income so that any loved ones would still be able to receive compensation.
Life Insurance for Outstanding Debts
Even at an older age, you may not have paid off outstanding debt in your life. For example, a mortgage that you are close to finishing but still have some payments to make. If you were to pass away without life insurance, your dependents would be responsible for mortgage payments if they intend to keep your home. Instead, a life insurance death benefit can provide valuable coverage to pay off these outstanding obligations.
In this case, if you qualify, get a term life insurance policy that would cover the sum of outstanding debts. The term policy would require you to take a medical exam, but you would be able to lock in cheaper premiums for the remainder of your life.
However, if you are sick or elderly and not in excellent health, a guaranteed whole life insurance policy would make the most sense. This type of life insurance has more expensive monthly premiums along with a typical max face value of $25,000 in coverage but would be issued on a guaranteed basis. This means that you would not be denied coverage due to pre-existing illnesses, which can be a valuable policy feature for seniors.
Life Insurance for Final Life Expenses
After someone passes away, there is usually a multitude of costs associated with after-life expenses. This includes the cost for a funeral and burial of the deceased, which is often left for the children to pay, and typically costs around $10,000. Life insurance can be a useful tool to provide financial protection for your dependents if they wouldn't be able to pay these expenses themselves or would have difficulty affording them.
A permanent life insurance policy would be a good option for final expenses. Specifically, you can purchase a small guaranteed whole life insurance policy, which is designed to be for burial expenses. This policy would not require a medical exam, so if you are not in great health or have a pre-existing condition, you could still receive coverage.
Life Insurance for Senior Veterans
All veterans who were enrolled in the Servicemember Group Life Insurance plan during their service have the option to convert this life insurance policy into Veterans Group Life Insurance (VGLI) when they return from duty. This can be a good option early in your life. However, once you age into your senior years, you would be able to get better rates through other types of life insurance. For example, for a male 60-year-old enrolled in the VGLI program with $400,000 in coverage, the monthly premium is $432, which is $226 more than a similar policy offered by Prudential. For this reason, if you are a veteran who recently turned 60 or are entering your older years, we would recommend looking into an affordable term life insurance policy.
Life Insurance Eligibility for Seniors Over 60
For seniors over the age of 60 looking to buy term life insurance, there will be restrictions for the size of the face value and the coverage length that you can purchase. Each insurer will have its own rules regarding what types of policies are available for purchase. But typically, if you are trying to purchase term life insurance after the age of 65, you would be restricted to policy lengths of 10, 15 and 20 years. On the other hand, face values for senior term life insurance do not have restrictions, but all policies would require you to take a medical exam.
Guaranteed and simplified whole life insurance products do not have any restrictions for over 60-year-olds, since these products are designed for seniors. However, life insurance providers will have coverage limitations that are associated with the product—face values typically range from $2,000 to $25,000.
Best Life Insurance Companies for Over 60-Year-Olds
The best life insurance policies for seniors are based upon what is the most affordable and companies that have senior-preferred underwriting. Below, we have provided our recommendations for term and permanent life insurance companies for applicants over 60.