Anak Bukan Celengan, Putuskan Rantai Sandwich Generation!

Menikmati hari tua dengan nyaman dan tenang tanpa terbebani masalah finansial merupakan impian setiap orang. Terlebih lagi, melihat anak-anak sukses di kehidupan mereka yang akan datang, turut melengkapi kebahagiaan kehidupan orang tua di masa pensiun. Namun, apakah impian kita tersebut dapat terwujud dengan manis ditengah beragam kebutuhan keluarga dan rumah tangga, ditambah lagi dengan berbagai risiko kehidupan yang bisa datang kapan saja dan dimana saja?

Menurut data MISI (Manulife investor Sentiment Index) ke-10, tabungan pendidikan merupakan prioritas utama orang tua atau investor dalam mengelola keuangan. Tabungan pendidikan bahkan menempati porsi yang paling tinggi selain simpanan dana pensiun dan biaya kesehatan. Fakta yang menarik lainnya, masyarakat rela berutang yakni sebesar 28% yang dialokasikan untuk pendidikan anak sedangkan 34% lainnya untuk gaya hidup.

Sementara itu, data MISI (Manulife investor Sentiment Index) ke-6 menunjukkan hanya 5,34% masyarakat yang sudah memiliki program pensiun atau hanya sekitar 3,3 juta dari 120 juta populasi penduduk di Indonesia yang telah memikirkan hari tua mereka. Jumlah ini sangat kecil dan berpeluang memicu timbulnya lebih banyak lagi fenomena Sandwich Generation. Sebuah kondisi, dimana anak-anak kita kelak harus tetap membantu membiayai orang tua yang telah memasuki masa pensiun dan pada saat yang bersamaan juga harus memenuhi kebutuhan hidup dan keluarga mereka sendiri.

Sandwich Generation dialami oleh sebagian besar masyarakat di Indonesia karena berbagai faktor. Salah satu yang utama adalah minimnya pengetahuan mengenai perencanaan keuangan serta produk investasi yang tepat untuk masa depan sesuai kebutuhan. Selain itu, sudah menjadi tradisi dan hal yang biasa di Indonesia ketika seseorang membiayai keluarga dan orang tua secara bersamaan. Kondisi ini terus berulang di masyarakat kita dan seolah menjadi yang tidak putus-putus.

Sudah saatnya orang tua mengubah pemikiran bahwa Anak Bukanlah Celengan. Anak-anak tidak berkewajiban untuk menanggung biaya hidup orang tua di masa depan. Selain itu, orang tua tidak bisa mengharapkan “imbal hasil” atas seluruh biaya dan kewajiban yang sudah mereka keluarkan untuk anak-anak. Biarkanlah anak-anak kelak meraih kesuksesan mereka di masa mendatang sekaligus hidup bahagia dengan keluarga mereka nantinya.

Rantai Sandwich Generation ini harus diputus sekarang juga dengan kesadaran masyarakat untuk melek keuangan dan belajar lebih banyak tentang perencanaan keuangan yang tepat sedini mungkin. Langkah berikutnya, mencari informasi mengenai produk keuangan dan investasi yang sesuai dengan kebutuhan dan kemampuan. Dan, selalu ingat untuk menambahkan unsur proteksi dalam perencanaan keuangan kita agar kita dapat hidup dengan tenang meraih impian dan aspirasi kita tanpa perlu khawatir akan berbagai risiko kehidupan yang mungkin terjadi. Jika diperlukan, berkonsultasilah dengan penasehat keuangan maupun agen asuransi untuk membantu Anda memberikan solusi finansial yang tepat.

Hal yang juga tidak kalah penting, orang tua harus memberikan edukasi keuangan kepada sang buah hati sejak dini, misalnya menabung, investasi, asuransi, dan perencanaan keuangan. Tujuannya, agar mereka familiar dengan topik keuangan sekaligus memahami bagaimana mengelola keuangan yang tepat serta mengimplementasikannya dalam kehidupan sehari-hari sejak dini.

Yuk, pastikan anak-anak dapat menjadi generasi penerus bangsa yang cerdas finansial, dapat menikmati hidup di tengah berbagai risiko kehidupan dengan terproteksi oleh produk asuransi yang tepat, serta terputusnya lingkaran rantai Sandwich Generation.

Manulife hadir dengan menyediakan berbagai jenis produk asuransi yang bisa dipilih, seperti asuransi jiwaasuransi kesehatanasuransi pendidikanasuransi investasi, dan jugatabungan pensiun.

Untuk informasi lebih lanjut mengenai produk-produk asuransi Manulife jangan ragu untuk menghubungi 0812-9409026

Sumber : https://www.manulife.co.id

6 Reasons Why You Should Buy Life Insurance

For many people, their first experience with life insurance is when a friend or acquaintance gets an insurance license. In my case, a college friend, recently hired by a major insurance company, contacted me (along with all of his other friends) to buy a $10,000 policy underwritten by his company.Prime DayTwo-days of epic deals start July 15th. See early deals now.

Unfortunately, however, this is how most people acquire life insurance – they don’t buy it, it is sold to them. But is life insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson? While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance.

Reasons to Buy Life Insurance

As I grew older, got married, started a family, and began a business, I realized that life insurance was indispensable and fundamental to a sound financial plan. Over the years, life insurance has given me peace of mind knowing that money would be available to protect my family and estate in a number of ways, including:

1. To Pay Final Expenses
The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I don’t want my wife, parents, or children to suffer financially in addition to emotionally at my death.

2. To Cover Children’s Expenses
Like most fathers, I want to be sure my kids are well taken care of and can afford a quality college education. For this reason, additional coverage is absolutely essential while my kids are still at home.

3. To Replace the Spouse’s Income
If my wife had passed away while the kids were young, I would’ve needed to replace her income, which was essential to our lifestyle. I also would’ve needed to hire help for domestic tasks we’d shared like cleaning the house, laundry, cooking, helping with schoolwork, and carting kids to doctor’s visits.

4. To Pay Off Debts
In addition to providing income to cover everyday living expenses, my family would need insurance to cover debts like the mortgage so they wouldn’t have to sell the house to stay solvent.

5. To Buy a Business Partner’s Shares
Since I’m involved in a business partnership, I need insurance on my partner’s life. The reason is so if he dies, I will have enough cash to buy his interest from his heirs and pay his share of the company’s obligations without having to sell the company itself. He has the same needs (due to the risk that I might die), and he simultaneously purchased insurance on my life.

6. To Pay Off Estate Taxes
Estate taxes can be steep, so having insurance in place to pay them is essential to avoid jeopardizing assets or funds built for retirement. Use of insurance for this purpose is most common in large estates, and uses permanent (rather than term) insurance to ensure that coverage remains until the end of life.

Pay Off Estate Taxes

How Much Coverage Should I Buy?

The face amount, or “death benefit” of an insurance policy (i.e., the amount of proceeds paid to the beneficiary) should be high enough to replace the after-tax income you would have earned had you lived a full life, presuming you can afford the annual premiums for that amount. In other words, the insurance replaces the income you didn’t have the chance to earn by living and working until retirement due to a premature death.

The proper amount of insurance allows your family to continue their lifestyle, even though your income is no longer available. The actual amount that you should purchase depends upon your present and probable future incomes, any special circumstances affecting you or your family, and your existing budget for premiums.

Whole Life or Term?

Some people prefer to drive Cadillacs or Mercedes, which come with all of the electronic gadgets that make driving safe and as easy as possible. Others prefer less customized makes, equally reliable to their more expensive cousins, but requiring more hands-on attention.

Whole life is the “Cadillac” of insurance; its sponsors try to do everything for you, specifically investing a portion of your premiums so that the annual cost doesn’t increase as you grow older. The investment characteristic of the insurance means that premiums are generally higher than a similar term policy with the same face value. After all, whole life insurance is intended to cover your whole life.

Term insurance, on the other hand, is a stripped-down model of life insurance. There are no excess premiums to be invested, and no promises or guarantees beyond the end of the term, which can range from 1 to 30 years. The annual premium for term insurance is always less than whole life, lacking the investment component, but your premiums will rise (often substantially) once the term period expires.

Both types of life insurance policies (or one of their derivatives) have benefits and drawbacks; both have their place depending upon the needs, desires, and financial objectives of the purchaser. A knowledgeable professional insurance agent can help you decide which type of policy is best for you depending upon your circumstances. But whichever you select, be sure that you have enough coverage to meet your objectives in the short term and the long term. During my lifetime, I have spent thousands of dollars in premiums for life insurance of both types and I have never regretted a single penny of the expense.

Final Word

Some people mistakenly believe that life insurance is a scam. This is due to the fact that the money for premiums is lost if death doesn’t occur during the coverage period (in the case of term insurance), or because many people live to a ripe old age and continue to pay their permanent insurance premiums. Such naysayers compare life insurance protection to gambling, and forgo the protection entirely.

Of course, there is no bet – you will die, but no one knows when. It could be today, tomorrow, or 50 years into the future, but it will happen eventually. Life insurance protects your heirs from the unknowable and helps them through an otherwise difficult time of loss.

Do you have life insurance? Why or why not?

(Source : https://www.moneycrashers.com )

Bonie Corina, SFP | +628129409026

Punya Dana 1M

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Kata orang , beli asuransi mahal, belum lagi klaimnya susah.

Saya bersukur deh selama di Manulife, klaim-klaim asuransi kesehatan klien-klien, sekaligus menjadi teman saya, dibayarkan TANPA PAKE RIBET. itu loh testimoni-testimoni mereka. Ga pake mahar loh.

Sambil posting ini, dapat kabar bahwa ada anak usia 20 tahun, menderita tumor otak dan harus dioperasi dengan biaya Rp 1M, mana asuransinya baru dicabut tahun lalu, dan usaha bapaknya sedang bangkrut.

Situ punya dana tunai Rp 1M ++ ???
Kalau belum punya, cus diambil asuransi kesehatan Manulife “Mi Ultimate Healthcare”. Bayarnya ga perlu miliaran, tapi manfaatnya bisa miliaran.
Googling deh, track recordnya bagus bangettttt…. Lagi ada promo merdeka nih hingga 10 September 2018.
Lihat Reputasi “Mi Ultimate Healthcare” =》zoom kotak hijau
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