Sorong, TN, Sungguh miris, dua gadis yang terekam dalam video sedang peragakan shalat diiringi musik dugem ini dapat melukai perasaan umat islam. Video ini sempat tayang dalam Storry akun Facebook VhinaPute dan dibagikan di grup Whatsapp ” Janda Muda”.
Ironisnya, selain melakukan gerakan seperti sedang sholat yang diriringi musik dugem, salah satu gadis tersebut berpraktik dengan beralaskan sajadah layaknya sedang beribadah shalat.
Setelah banyak menuai protes dan kritik netizen, video itu dihapus dari Storry FB dan di grup WA. Salah satu netizen dalam FB dengan nama akun Chaca Nisya menghardik prilaku dua gadis dalam video tersebut. ” Sp phu anak2 nih biadap shu keterlaluan mati viral kh sampe permainkan agama begini? ihh lucu ehhh. Mati Viral tra usah begini ajg gblk eh,” tulis status akun Chaca Nisya yang sempat dibagikan 72 kali dan menuai 1.087 komentar terhitung pukul 23.34 WIT.
Sementara di media sosial melalui grup WhatsApp ” janda Muda” video tersebut sempat viral dan menuai protes hingga menarik kemarahan anggota grup. Bahkan beberapa anggota grup WA tersebut melayangkan teguran keras karena dianggap mempermainkan agama islam. ” We nakal2 tapi jangan permainkan agama”, tulis salah satu anggota grup Janda Muda.
Banyak Netizen berharap peredaran video “Nyeleneh” tersebut segara dicegah agar tidak beredar luas. Diharapkan juga aparat kepolisisan segera melakukan langkah hukum terhadap pelaku dan penyebar video menyimpang tersebut.
Informasi yang dihimpun Teropongnews.com, dua gadis dalam video “nyeleneh” tersebut dipastikan adalah anak- anak Sorong dan keduanya adalah muslimah. Sungguh memilukan.
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.
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).