Polres Kupang Kota menangkap Adriana Lulu Djami (33) seorang ibu rumah tangga yang membunuh anak perempuannya yang masih berusia dua tahun.
Adriana membunuh hanya karena korban buang air kecil di kasur.
Kasat Reskrim Polres Kupang Kota, Iptu Hasri Manase Jaha mengatakan bahwa pelaku diamankan oleh pihak kepolisian setelah diketahui hendak menguburkan anaknya itu di jalur penghijauan Jalan Adi Sucipto Kelurahan Penfui Kecamatan Maulafa Kota Kupang.
“Pelaku ditangkap oleh anggota POM AU antara lain Serda Helman, Pratu Bayu dan Prada Kurniawan saat mereka sedang berpatroli di kawasan itu,” katanya kepada Antara, Jumat (3/1/2020).
Diketahuinya perbuatan pelaku ini setelah, ketiga anggota POM AU melihat sebuah kendaraan beroda dua sedang diparkir di pinggir jalan.
Seketika mereka bertiga memeriksa, ketiganya menemukan pelaku sedang berusaha menguburkan sesuatu yang dibungkus dengan kain.
Saat diperiksa ternyata jasad seorang anak yang setelah dicari tahu masih berusia dua tahun yang adalah anak kandungnya sendiri.
Pelaku langsung dibawa ke pos POM AU. Sementara anggota TNI AU menghubungi pihak kepolisian untuk mengamankan pelaku yang adalah seorang ibu rumah tangga yang tinggal di kosan Jalan TTU Uki Tau RT 042 RW 002, Kelurahan Liliba Oebobo, Kota Kupang.
Dari hasil pemeriksaan terhadap pelaku, pelaku mengaku bahwa sekitar pukul 21.00 wita pelaku pergi ke tempat kejadian untuk menggali tanah dan mempersiapkan segala perlengkapan untuk menguburkan korban.
Selesai menggali dan mempersiapkan semua, pelaku kembali ke kost dan pada pukul 22.00 wita pelaku membawa korban yang tak bernyawa untuk dikuburkan di tempat yang sudah disiapkan tersebut.
Pelaku sendiri membunuh korban dengan cara membenturkan kepala korban secara berulang-ulang sehingga korban mengalami luka pada bagian kepala,dan sempat panas tinggi dan kejang-kejang dan akhirnya meninggal.
Pelaku menelpon suaminya dan saat suaminya tiba dan sholat, pelaku disuruh suaminya untuk menguburkan di lokasi penghijauan.
Hasri menambahkan bahwa dari hasil pemeriksaan terhadap keduanya, kedua sudah menikah siri sejak tahun 2016.
Pelaku adalah istri keduanya. Kejadian yang menimpa keluarga tersebut juga diduga akibat masalah ekonomi.
Sumber: detik.com
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.