Most insurance is wise in choosing appropriate goals. If you have goals and investment protection, the unit-linked insurance the answer. Unit-linked insurance is a type of insurance product that combines insurance and investment. So, you get two benefits at once, the insurance and investment protection.
For insurance purposes, serves as general insurance premiums. Being devoted to investment, there are four types of investment in terms of placement. Namely:
Unit linked fixed-income (fixed income fund unit-linked).
Investments in unit-linked type is mostly planted in debt instruments and a small portion in the money market. Portion of investments in debt securities of at least 80 percent. This type of unit-linked investment has benefits on a more stable profit levels. So if you are someone who wants a more stable profits, units of this type of link that can be selected.
Link-unit mixed income (unit-linked managed fund).
Performed a variety of investment, such as bonds, stocks, or money market. This unit is appropriate for the link eyeing a huge investment and for the long term.
-Link unit shares (equity fund unit-linked).
This link unit usually put their money in stocks. You can choose the type of investment if you are "brave" because of the high risk. In accordance with the nature of the shares "high return, high risk".
To select the best unit-linked insurance, you can follow these tips.
See the company.
Find out about the insurance company that issued the unit-linked products. Is the insurance company is healthy and good reputation? If so, you can consider selecting products.
See the benefits.
What are the benefits offered from the insurance product.
Learn fee. On unit-linked insurance costs are also attached. Such as administrative costs, costs pengelolaaan investment and insurance costs. These costs beyond the cost of insurance. You can compare between unit-linked insurance products. So you can know the best unit linked insurance product for you.
One of the unit-linked insurance products are X-Tra Insurance Premier Investa. Product of CIMB Sun Life's got a lock idiosyncrasies of the highest unit price in order to protect the value of your investment funds. Besides of course, the inherent benefits such as insurance or death due.