Warga di Dusun Dungus, Sukodono mengamuk, bukan hanya karena ulah ugal-ugalan sopir Avanza nopol L 1816 DA, namun mereka menduga jika pengendara mobil ini merupakan maling. Mereka marah saat menemukan kunci T di dalam kendaraan sebelum diceburkan ke sungai.
Sebab warga menduga Ariyadi dan Anang merupakan. pelaku pencurian kendaraan bermotor.
"Memang sempat ada suara ada kunci T. Mungkin memang maling," ujar salah satu saksi mata yang enggan disebutkan namanya.
Kapolsek Sukodono AKP Subadri mengakui ada kunci T, tetapi ditemukan di sekitar mobil. Namun baik Ariyadi maupun Anang tidak mengaku.
"Kami langsung periksa secara intensif setelah kejadian itu. Mereka mengaku tidak memiliki kunci T itu," ucapnya.
Terpisah, Anang mengaku tidak memiliki kunci T. Alasannya mobil yang dikendarainya itu merupakan mobil rental yang dipinjamnya dari seseorang di Surabaya.
"Saya rental dua hari senilai Rp 500 ribu," katanya.
Anang mengaku meminjam mobil untuk digunakan pacaran ke Tretes. Namun, Ariyadi menginginkan bertemu temannya di Sukodono terlebih dahulu.
"Saya berbohong ke istri saya ingin liburan. Padahal mau ke Tretes," ujar bapak satu anak ini sambil menangis.
Dia mengaku, sudah memperingatkan Ariyadi untuk berhenti saat tabrakan pertama. Namun, temannya tersebut tetap ngeyel dan malah melaju kencang dan menyerempet motor lagi.
"Ariyadi tidak mau uang sakunya ke Tretes diambil untuk biaya perawatan pengendara yang ditabrak," katanya.
Anang menambahkan, dia mengaku menyesal dengan tindakan temannya yang ugal-ugalan.
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.
When a policy’s cash value growth is tied to the performance of an index, there are a few restrictions you should be aware of:
Minimum Guaranteed Annual Interest Rate - This might be 0% or higher, depending on the insurer.
Maximum Annual Interest Rate - The rate of return is tied to the performance of the index, but you’re not actually invested in the index. Therefore, the insurer caps the maximum interest rate they will pay at around 10-12%.
Participation Rate - This is the percent of money credited with having been invested in the index. So, if you have $10,000 of cash value tracking the S&P 500 and the index had a 10% annual return, you would assume that the cash value increased by $1,000. However, that assumes a 100% participation rate. If the insurer’s participation rate was 50%, your cash value would increase by $500, or just a 5% return ($10,000 x 50% x 10% = $500).
Pros and Cons of Indexed Universal Life Insurance
Indexed universal life insurance offers greater control over the performance of your policy’s cash value growth, since you’re not relying on a figure determined by the insurer and their performance. However, the guaranteed minimum interest rate is typically lower than that of a traditional universal life insurance policy and the insurer can cap your participation rate. In addition, you face the same risks of a standard universal life insurance policy in that your cost of coverage can be increased.
With an indexed universal life insurance policy, you also want to how the insurer calculates your base cash value. Since you’re not actually invested in the index, the insurer determines your return for a given period of time by multiplying your base cash value by the index’s performance. If, for example, you deduct from your cash value each month in order to pay a portion of premiums, you want the base cash value to be measured pre-deduction. This way, a larger amount of money is multiplied by index’s rate of return, and your cash value grows faster.
Say you had a $1,000 cash value and $100 was deducted mid-month for premiums. If the index’s return for that period of time was 10%, you could receive a $100 return based upon a $1,000 base cash value (pre-deduction) or a $90 return based upon a $900 base cash value (post-deduction).
Variable Universal Life Insurance
Variable universal life insurance very similar to an indexed universal life insurance policy. The primary difference is that you invest the cash value in grouped investments that are similar to mutual funds. You’ll receive a list of potential investments, along with their performance history and fees, and can choose how much of the cash value is invested in each.
Pros and Cons of Variable Universal Life Insurance
Each variable universal life insurance investment has management fees which need to be considered, similar to when you’re evaluating a mutual fund. The management fees and administrative fees for variable universal life insurance policies are typically higher than those for other universal life insurance policies. So, even if you choose great investments, the fees can significantly eat into your returns.