Bahtiar, lelaki berusia 28 tahun warga Desa Kapita, Kecamatan Bangkala, Kabupaten Jeneponto, Sulawesi Selatan, t3was usai disiram air p4nas oleh istrinya sendiri, Aminah (30).
Gara-garanya, Bahtiar diam-diam men1kah lagi dengan perempuan lain. Aminah yang marah, akhirnya melakukan aksi tersebut.
Kapolsek Bangkala Iptu Bahtiar membenarkan adanya kejadian tersebut. Dia menceritakan, peristiwa penyiraman itu terjadi pada Sabtu (13/7) lalu.
”Saat itu, korban tengah tertidur di dalam k4marnya. Kemudian, Jumat (19/7) Bahtiar dinyatakan m3ninggal karena luka b4kar,” kata Bahtiar seperti diberitakan Kabarmakassar.com—jaringan Suara.com,
What Kind of Life Insurance Do You Need?
Once you’ve calculated how much life insurance you need at the moment, you should calculate how long you’ll need this amount of coverage. This is important because the cost of a life insurance policy is correlated to the number of years it lasts, since you’re more likely to pass away during the period of coverage.
For each financial obligation, you should determine whether it’s time-specific or time-independent. A time-specific cost would only impact your family during a particular period of time. As an example, if your child is 12, you would expect that their college costs were handled within the next 10 years. A funeral is a common time-independent obligation, as it’s a cost that could happen at any point.
For most families, the majority of projected expenses are time-specific. If this is the case, we would recommend term life insurance as it’s the cheapest type of policy and offers for a particular amount of time. Term policies can range from 5 years to 35 years in length and can provide over $1 million in death benefits.
If you have costs that aren’t limited to a specific period of time, there are two main options:
Buy term life insurance and save - Term life insurance is significantly less expensive than permanent coverage. If you can save enough money to simply cover the expense, just buy additional term coverage for the amount of time it will take to do so.
Buy permanent life insurance - While whole life insurance is the most common form of permanent coverage, it’s quite expensive because it has a cash value investment component. If you just want a lifelong policy to cover all your financial obligations, guaranteed universal life insurance has the best rates and coverage can last until you’re 121.
Whether you buy term or permanent coverage, just make sure that premiums are level for the entire length of the policy. When this isn’t specified, the insurer can raise your rates and you may not be able to afford the coverage later, even though it’s still needed.
When Do You Need Life Insurance?
There are few situations in which you would actually need life insurance, but a large number of reasons why you might want it. The only times life insurance might be required are:
If you’re taking out a sizable loan and the lender requires coverage as a form of collateral. In these cases, you’ll want the death benefit to be equal or greater than the loan. You can use a collateral assignment so the lender will only be paid back the outstanding debt while you beneficiary will receive the rest of the payout.
If you’re taking out a business loan or receiving funding and a requirement of the investment is that you have key man insurance. This is a life insurance policy taken out on a founder or person that the business would have trouble functioning without. Key man insurance pays the business if you pass away, providing capital to hire a new employee or repay business loans.
Aside from contractual requirements, many people choose to purchase life insurance because it can provide financial relief to their families and loved ones if they pass away. Some of the most common costs that life insurance is used to cover are: