looks like it has begun

belum, masih baca2 sendiri

evil contract

wah, ibngtr juga udah baca2 kah? emang tampaknya di internet masalah UL ini banyak kena flak.

banyak yg kecewa karena agen terlalu memuluk2an, sedangkan nasabah sendiri tidak pernah baca polisnya.

intinya balik ke diri sendiri sih, harus belajar sendiri dan mengetahui kebutuhan masing2.

yes indeed

tapi memang salah kalau tidak punya asuransi, apalagi kalau tidak berinvestasi. Inflasi itu iblis, apalagi inflasi biaya pendidikan. Deposito bank aja ga cukup melawan laju inflasi, apalagi cuma nabung.

i invest in cows

imo it is safer if your job manages your insurance, i.e. they pay for it

and it is safer to take separate insurance and investments, though one has to have sufficient understanding of both

and some guaranteed flow of income

what do senpai-tachi use now

afaik job/office insurance is deducted directly from your monthly salary, so you're still paying it yourself.

and I'm not sure it would continue beyond retirement, except perhaps if you're a government worker. Applying for a new one after that will be much more difficult and expensive.

you have lived long enough by the time you retire

and your job usually subsidizes the premium

You can't plan when you die, that's the point of insurance. Hospitalized due to critical illnesses and only dying 10 years later isn't cheap in costs.

You will be a burden for your children, and at the same time they have the ever increasing costs of education of their own children to think about.

some insurances supposedly frees you from any premium after a certain age. try to get those type.

because it's not funny if you can pay for insurance but can't pay for food and housing

betul ada. ya unit link itu. jadi emang imo hasil investasi ul bukan untuk langsung dinikmati sendiri tapi untuk membayar biaya asuransi klo sudah tidak punya penghasilan.

intinya sebenernya ga ada yg jelek, hanya saja pastikan mengerti tujuan masa depan masing2 dan ambil keputusan yang sesuai dengan itu. review dan update ilmu baru setiap hari.