teman facebook do your magic.
ga sengaja baru aja malem ini jam 8 gua lewat pondok cina dari gramed itu kan mau ke stasiun kan nyebrang lewat jpo, dan di jpo itu ada yg jual tisu anak cowo smk kelas 1 jam segitu masih jualan buat doi ongkos balik ya gua pribadi si ngerasa kesentuh liat raut mukanya, dengan harga tisu goceng ya gua beli lah buat bantu dan gua tanya:
🧒gua
👨🦱penjual tisu
.
🧒: kelas berapa de?
👨🦱: kelas 1 smk bang
🧒: sekolah dimana de?
👨🦱: di master bang deket sini
🧒: jualan tisu dari jam berapa?
👨🦱: dari siang bang abis balik sekolah
🧒: oh, tinggal dimana?
👨🦱: di sawangan bang
🧒: tinggal sama siapa?
👨🦱: sama nyokap bang berdua
🧒: oh, terus ini jualan buat apa?
👨🦱: iya bang buat pulang ke rumah dari sini sama buat makan di rumah bang kalo ada lebihnya
🧒: oke gua beli ya de sama foto yah
👨🦱: iya bang sok aja, makasih ya!
.
jleb disitu gua ngerasa emang bener di dunia ini masih banyak yg kurang beruntung dari kita, padahal kita sendiri masih aja merasa kurang dengan apa yang kita jalanin. in real life lu bakal banyak ketemu dengan orang seperti dia itu susahnya buat survive dikehidupan khalayak ini.
.
buat temen2 yg lewat jpo pocin baik yg pulang kerja atau ngampus sempetkanlah kalo punya uang lebih tolong sedikit rezekinya buat bantu anak tersebut. bantu share ya usahanya buat keluarganya thank you!
Certain life insurance policies are consistently more expensive and, therefore, tend to be more heavily marketed. However, they’re often not the best option for the majority of people, so it’s important to understand whether they would actually make sense for your needs.
Permanent Life Insurance
There are several types of permanent life insurance, such as whole life insurance, universal life insurance, and variable life insurance. All these policies are significantly more expensive, easily 10 times the cost of term insurance, because they offer lifetime coverage and have a cash value component. A policy’s cash value is essentially the amount of money you would receive if you surrendered the policy to the insurer, and this amount can be borrowed against or used to pay premiums. Depending on what type of permanent coverage you buy, the cash value can increase over time:
At a guaranteed rate, in the case of whole life insurance.
Either at the rate of the insurer’s portfolio or minimum guaranteed rate, in the case of universal life insurance.
At a rate determined by the portfolio of sub-accounts (essentially, mutual funds) you choose to invest the money in, in the case of variable life insurance. With variable life insurance, the cash value can also decrease if your chosen portfolio performs poorly.
A permanent policy is typically not the right fit if you’re looking to simply acquire financial coverage for your family in the case that you pass away, as term coverage will offer the same death benefit with much lower premiums. Given the high costs, these policies generally require that you take advantage of the cash value component of the account, or use the policy as a part of an estate plan, in order for the investment to make sense.
As an example, say a 30-year old male was looking to purchase life insurance with a $500,000 death benefit in order to cover lost income to his family in the case that he passed. Over the course of 40 years, he could save $45,144 by getting term insurance, even though his premiums increased significantly when purchasing a new policy.
20-Year Term Policy Whole Life Policy
Premium at Age 30 $277 $5,057
Premium at Age 50 $1,018 $5,057
Total Paid over 40 Years $15,540 $60,684
If you specifically want to purchase permanent life insurance, one of the simplest way to reduce costs and get the greatest value is to purchase a policy when you’re young and healthy. While you will pay premiums for a longer period of time, the annual premiums will be lower and the cash value may be significantly higher later in life as it has had additional years to grow with compound interest (assuming you don’t choose poor investments with a variable life insurance policy).
Read more about the types of permanent life insurance policy >>
No Medical Exam and Simplified Issue Life Insurance
Any of the insurance policies above may be described as being “simplified issue” or “no medical exam”. These qualifiers don’t actually change how the policy works, though death benefits will often be restricted to less than $100,000. They just mean that the underwriting (approval) process is shortened in some way. While a shortened underwriting process may sound appealing, it means that the insurer has less information to tailor your rates and has to assume that you’re a higher risk, so premiums will typically by several times greater.
If you’re looking for cheaper life insurance prices, we would recommend going through the full underwriting process. It will require that you complete an in-depth application, receive a medical exam (takes approximately 30 minutes and can be done at your work or home), and wait a few weeks while the insurer reviews everything. But, for example, if your premium for a 20-year term policy is only $250 as opposed to $500 for the no medical exam option, you would save $5,000 over the course of the policy.
What Else Goes Into the Cost of Life Insurance?
Once you’ve chosen a particular policy, life insurance premiums are basically determined by actuarial tables that insurers use to approximate your length of life. Since life insurance pays your beneficiary when you pass, insurers want to be as accurate as possible and will often ask about your:
Age
Gender
Health and medical history
History of tobacco use
Family health and medical history
Occupation and hobbies
Driving history
Credit history