Understanding Life Insurance Unit Link?

Unit-linked life insurance is life insurance products that are hybrids. Because, provides two benefits at once, ie, the protective benefit of life insurance benefits and rewards of investment in the form of cash value.
The insurance benefits contained in a link unit is not different from the protection given tradisioanal types of life insurance, ie, death benefits, benefits health benefits, and other benefits according to the selected program.
A special, unit-linked investment returns benefit from the premium placed on an investment fund that is expressed in units, the yield performance depends on the performance of unit-linked investment sub fund selected customers in accordance with stock market conditions and financial markets.
The global crisis that hit keaungan markets around the world, should not make giddy.But on the contrary, remained steady in managing strategies and activities including financial management in a variety of instruments, including instruments of long-term unit-linked insurance.
Benefits link unit Policy Advantages of Unit-Link does not change, she delivers a wide range of flexibility for customers. For example, unit-linked policies allow you to add funds to your investment in the policy, the flexibility to withdraw your funds, the flexibility to divert funds from invesatsi sub fund to another sub fund.
The report includes a description at least the amount of premium allocated to the protection and the premiums used to purchase units to be invested, the number of units owned, the unit price at the time, the amount of funds currently under management and fees charged to policyholders through policyholder.
It should be understood, any premiums you pay, always allocated for protection and invest according to your request. Therefore, with the same premiums there is always a balance, the higher the risk coverage that you expect to spend a larger unit to pay the cost of insurance premiums and produce fewer units that can be accumulated to buy an investment unit in the policy unit on your link, and vice versa.
One of the special in unit-linked products are the choice of various types of managed fund provided life insurance company issuers. Completeness ragaram funds are important, to be adjusted with the investment objectives and risk profile of each customer. Risk profile refers to the level of risk that can be tolerated, ie your readiness to bear the investment risk level that fluctuates.
What is interesting with funds under management, customers are given keleluasaaan to move the funds' fund switching "from one fund into the fund kelolaaan keloaan other according to the financial condition and risk profile which may change over time.
However, insurance companies generally provide limits for the frequency transfer funds free of charge, in which after time perpindhan that the company will charge a fee for each transfer of funds made.
However, above all the above benefits is important to know that the unit-linked policies will not provide cash value guarantees invesatsi results that can be given, but it entirely depends on the unit price of the underlying level units, which in turn depends on how the performance of the fund units of the selected link them.