Baru-baru ini peristiwa menarik dan unik terjadi di Kabupaten Ciamis tepatnya di Dusun Pasir Jaya RT 04 RW 01 Desa Andapraja Kecamatan Rajadesa Ciamis. Bagimana tidak seorang ibu dan ketiga putrinya melaksanakan resepsi pernikahan dalam waktu bersamaan. Acara bahagia itu berlangsung pada hari Selasa (25/2/2020). San ibu bernama Eti (48), kemudian ketiga anaknya yang seluruhnya perempuan masing-masing bernama Tati Suryati (25), Tita Sugiarti (23), dan Resi Refayanti (19). Tak tanggung-tanggung mereka menggelar acara resepsi pernikahan di lapangan sepak bola.
Diketahui keempat pasangan itu memang melaksanakan resepsi pernikahan secara bersamaan, namun masing-masing dari mereka melakukan akad nikah di waktu yang berbeda. Tita Sugiarti yang merupakan anak kedua melakukan proses ijab qabul pertama kali pada hari Rabu (5/2/2020) dengan pasangannya Imam, kemudian diikuti oleh Resi Refayanti keesokan harinya bersama Udi, setelah itu sang ibu Eti dengan suami barunya Suparman dan akhirnya ditutup oleh putri sulungnya Tati Suryati dengan kekasihnya Irfan.
Mulanya sang ibu hanya menginginkan sang anak pertamanya yang menikah, namun yang lebih antusias adalah anak keduanya yaitu Tita. Maka putri keduanya itu pun langsung melakukan ijab qabul, melihat sang kakak menikah si bungsu Resi pun memiliki keinginan yang sama, akhirnya ia menikah juga. Eti sang ibu ikut menyusul setelah Suparman mengetahui kedua anak ibu Eti telah menikah. Maka diajaklah Eti menikah dan tidak menolaknya. Akhirnya si putri pertama pun tergugah hatinya untuk menikah. Hingga akhirnya ibu dan ketiga putrinya itu melangsungkan resepsi secara bersamaan.
Kejadian unik ini sontak mendapat perhatian oleh netizen, karena peristiwa itu dinilai langka. Dan mendapat respon positif bahkan banyak dari para netizen mendoakan keempat pasangan tersebut agar rumah tangga mereka sakinah mawaddah wa rohmah. Resepsi unik tersebut tidak hanya mendapat perhatian dari warga dunia maya saja, tapi di dunia nyata peristiwa sakral ini menjadi perhatian masyarakat umum. Apalagi resepsi tersebut dilaksanakan di lapangan sepak bola sudah tentu akan menjadi perhatian warga setempat. Lapangan sepak bola yang digunakan untuk acara tersebut tidaklah jauh dari rumah pengantin perempuan, jaraknya hanya sekitar 100 meter saja.
Duh kalau dibayangin unik juga ya. Melihat mereka duduk di kursi pelaminan berjejer dan bergandengan. Awas salah gandeng aja, sih
Universal life insurance is a form of permanent insurance, meaning coverage can last for your lifetime so long as premiums are paid. This is in contrast to term life insurance which only provides coverage for a set period of time, such as 10 or 20 years. Universal life insurance can be purchased by individuals but is also regularly offered by employers as group universal life insurance.
Cash Value & Premium Payments
Universal life insurance has a cash value component that is separate from the death benefit. Each time you make a premium payment, a portion is put towards the cost of insurance (such as administrative fees and covering the death benefit) and the rest becomes part of the cash value. The cash value is guaranteed to grow according to a minimum annual interest rate, but may grow faster depending on the insurer’s market performance.
A universal life insurance policy’s cash value can be used as:
Surrender Value - If you decide that you no longer want the policy, you can give it back to the insurer (“surrender” it), and the insurer would give you the cash value in return.
Loan Collateral - You can borrow money from the insurer and use the cash value as collateral, so that’s the maximum amount you can borrow. These policy loans are subject to interest rates which are set by the insurer.
Premium Payments - You can use the cash value to pay a portion or the entirety of a premium payment. Just keep in mind that policies will lapse if the cash value drops to zero, so you have to keep close track of the amount.
Since a universal life insurance policy’s premiums are split between the cost of coverage and the cash value, you can choose how much you pay so long as it falls between the minimum and maximum premium amounts. Many people choose to pay the maximum premium possible for the first several years of coverage in order to build a large cash value, then use the cash value to pay premiums later on. This can be a good strategy if you want to maintain permanent coverage even when you have a smaller income during retirement. The downside is that if your cash value runs out, you can get stuck paying the full cost of insurance and there’s no surrender value to the policy. Your policy can also lapse if the cash value reaches zero.
Running out of cash value can be particularly bad if your cost of insurance is increased. The cost of insurance can be level for the life of the policy, but this isn’t typical. Usually, there’s a minimum and maximum cost of insurance so, as you get older, your minimum premium will increase significantly. If this happens when your cash value is depleted and you’re living on a fixed income, you may be stuck and your policy will lapse, meaning you lose your coverage. This is why it’s incredibly important to keep close track of your policy’s cash value if you use it to pay premiums.
When shopping for coverage, make sure to note the difference between the guaranteed performance of a policy and the projected performance. The guaranteed performance indicates the worst-case scenario of minimum returns and maximum fees that can be charged by the insurer.
Maturity Date
Universal life insurance policies have a maturity date which occurs when you turn a certain age (often between 85 to 121). When a policy reaches its maturity date, you generally receive a payment and coverage ends. Depending on the policy, the payment might be the death benefit or a specified dollar amount, but it’s usually equal to the policy’s cash value.
This can be a problem if you live past the maturity date and have used most of the cash value to pay premiums, as you can end up with no coverage and little money returned to you. Therefore, you should choose a policy with a maturity date that you’re comfortable with given your intended use of the coverage. For example, if you want to prevent your family from having to pay inheritance taxes when you pass away, no matter when that is, you’ll want a very high age for the maturity date.
Pros and Cons of Universal Life Insurance vs Whole Life Insurance
Whole life and universal life insurance policies are similar as they’re both forms of permanent coverage. The primary differences are that the cash value for whole life insurance policies grows at a guaranteed interest rate and premiums are level for the life of the policy. This can be both an advantage as well as a disadvantage when compared to universal life insurance.
Key Differences Universal Life Insurance Whole Life Insurance
Cash Value Interest Rate Minimum is guaranteed, can perform better depending on market Guaranteed flat interest rate
Premiums Range of options, minimum can increase over time Level for life of policy
Therefore, universal life insurance policies have greater upside potential when the insurer’s portfolio does well, as the cash value can grow at a higher rate. But when the insurer performs poorly, the cash value interest rate for a universal policy would be lower than that of a whole life insurance policy. Similarly, when the insurer performs poorly, usually during periods of low interest rates in the market, or as you get older, the insurer is more likely to increase the cost of coverage. Since whole life insurance premiums are level, you know how much you’ll have to pay at any point to keep coverage in place.
Since the insurer guarantees a lower interest rate and offers a range of premiums, universal life insurance policies are typically less expensive than whole life insurance policies. This makes them a good consideration if you want permanent coverage with lower premiums. However, if you only need coverage for a particular period of time, we would recommend term life insurance as permanent policies will have much higher quotes.
Review of How Indexed Universal Life Insurance Works
Indexed universal life insurance has many of the same characteristics of a standard universal life insurance policy, except that the cash value’s growth is tied to the performance of an index. Each insurer has its own selection of indices available and, depending on the policy, you may be able to choose more than one. Some of the indices most commonly offered are the S&P 500, NASDAQ 100 and Russell 2000. Performance is usually measured excluding dividends.
With indexed universal life insurance, you can often invest the cash value in a fixed interest rate account and an account tied to the performance of an index. You tell the insurer the percentage of the cash value that should go into each investment, and the insurer will keep track of the performance. The fixed interest rate investment is lower risk and carries a higher guaranteed minimum return. The index-tracking investment has higher potential returns but a lower guaranteed interest rate.