Carefully first before you choose a unit linked investment products. If you are not careful, instead of having a profit, you could lose because you do not careful and do not understand. On the other hand, if you invest in unit link in the right place, you can get a very satisfaction return on investment (gain).
To avoid losses in the future and get the optimal investment, there are a few tips that can help you:
1. Company Data
Start by collecting data of insurance companies who sell the unit-linked products. Then, find as much as possible the information about this product and company's background.
2. Choose a healthy company
After collecting data and information on the unit link insurance companies, drop your choice to a healthy company. All can be seen through its financial statements.
3. Find out the placement of investments
Before determining the type of unit linked to one company, you better to know about the policy of the placement of your investment, whether in bonds, leading stocks, and so forth.
4. Look for the professional unit link marketing agency
If you want to be safe, avoid transactions with the insurance agents who are not active and not professional. You can identify this by looking at the identity card (certified or not), work (achievement), or company's contact.
5. Study the illustrations
Learn and understand the illustrations of the unit-linked product offered from an agent (salesperson) of a life insurance company.
5. Learn the benefits
Learn the benefits of unit-linked products and the policy provisions in a few insurance companies.
6. Consider the cost
Consider the costs charged to the product such as a monthly administrative fee, transaction fees, the cost of premiums, and others. Sometimes there is an illustration of insurance that do not include these costs. Ask to your insurance sales agent.
7. Customize with your financial situation
Customize with your financial condition if the source of income can be budgeted to meet the responsibility to pay premiums.
(image taken from: www.etencatnagar.com)
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