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Many people now have the following life insurance benefits of literacy are taught. But not a few people who are reluctant to buy a life insurance because lazy for a complicated procedure. One of them is an obligation for the health examination. Well what kind of people sebeanrnya still able to get insurance, because insurers have life insurance products without strict requirements. In addition to not require a medical examination, any premiums paid hundreds of thousands of rupees, which is due to ‘start of’ years. This insurance is called term life insurance. As the name suggests, the insurance provides protection in the form of cash benefits if the insured dies. Although the same – the same term is insurance, term life insurance whole life is a different path. If life is a long-term insurance for 99 years, while the term identuk life with the short-term protection. Usually one year. After the contract period has expired, customers must renew their insurance. Besides the relatively low cost, premium was relatively easy and simple. However, please remember, most of the traditional term life insurance does not include an element of investment. If one year does not happen all the risks, the premiums you paid will be burned. Term life insurance for its employees suitable and profitable medium-low, single, and the traveler Tri Joko Santoso, deputy director of Panin Life, said that the weakness of this product. “Actually, people usually terms of money was lost or burned,” he said. Not surprisingly, this type of insurance is most often used by companies to protect their workers. Understandably, the company easily evaluated if there are employees who leave or stop working. However, less expensive and local awards celebration and simple terms, insurance is clearly worthy collection of individual customers. Then, term life insurance is right for you? A profile summary of the various term life insurance is not catalog after a promotion, but only a picture that your votes lunch. ? Jiwasraya This company has a term of two life insurance products, namely Eka Warsa Bakti and Kala. The difference is, can Bakti insurance Kala automatically renewed each year within a specified period. client selection or underwriting process is simple. Future policyholders are not required to present the results of medical tests. The maximum age of the insured limit of 67 years, with a maximum of Rp 300 million. “As a medical check-up could be higher and unlimited,” said BNI Life Insurance Marketing Director Adrian Yong. In fact, the insured take a further advantage. But, generally, customers term life insurance is an advantage, namely the risk of a serious illness or protection plan fund for reimbursement of hospitals. Understandably, it would swell the total premium services as they are increasingly taken. Term life premiums in Jiwasraya relatively small, namely 0.3% to 0.4% per annum from the sum insured. So if the agreed amount of Rp 100 million, the premium is paid only Rp 300,000, – in a year. If you have additional benefits such as cash plan, you need a premium of 0.25%. According to Adrian and the prizes are great little influenced by factors such as age of the insured the protection period, the insured amount. “Younger, smaller contributions,” he added. So, insurance is suitable for low and middle income communities. This insurance is suitable for employees who are not married, and travelers that have a high mortality. Adrian has admitted the application will thaw within seven days after a complete and all documents submitted. insured family includes a death certificate from the government and medical reports. Jiwasraya currently has 3.2 million customers and 2.1 million of whom are business customers. Risk Based Capital (RBC) or the ability to achieve 142% risk Jiwasraya help