Calculation method sum assured there are many things, but in general we divide into 3 (three) groups of calculation methods, namely:1. Metode Human Life Value: in this method the absolute sum assured is calculated based on monthly income multiplied by the time the funds available to sustain life, regardless of interest or growth factor if the sum assured funds held in banking products.
2. Income Based: This method calculates sum assured by calculating the amount of interest or return if the insurance money received is stored in banking products.
3. Needs Based Financial: large sum assured has a range of at least equal to the amount of money given the current needs (present value) multiplied by 150%. Meanwhile, the maximum sum assured is the future of money (future value) multiplied by 80%.
This method is absolutely combined with the investments made (either monthly or yearly) to reach the financial needs of the future (future value) of such financial needs. This method can also be used for those who already have a monthly income that is so great that the two other methods mentioned above can not be used anymore because it will give the amount of insurance money that is too large (unlikely to be approved by the insurance money insurance companies).
