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Items related to investment insurance is not only pure insurance only. There’s also called the Link Units. There is a difference between these two types of insurance. Unit link itself is a combination of insurance products and investments in mutual funds. To compare the expensive or cheap link unit, we must first break this product and compare it one by one with ‘rival. ”

If we compare the pure insurance and insurance on the unit link, yes, you could say the unit-linked insurance is more expensive than pure insurance. But the need to ensure in advance, what kind of insurance do you mean? Therefore, the unit-linked insurance there are a variety that can be combined. Not only life insurance, but there are also health insurance, critical illness insurance, and so on.

For life insurance was slightly higher difference can occur. But it is worth the convenience offered by the link unit. Because the pure insurance, we must take some kind of separate insurance for life insurance, health, critical illness, and so on. Certainly the cost of purchase will be more expensive, but it still could be considered again, because it is difficult to compare between the insurance with each other for not exactly the same.

Unit Link – Insurance, the difference between unit-linked with mutual fund investing can be felt directly from its simplicity. If we compare the investment, the investment cost on a link unit is clearly more expensive because it will directly hit the cost of about 5% in the form of the difference between selling price and buying price. Whereas if we direct investments into mutual funds, the cost can range from 0% to 2.5%. Of course this is much cheaper. But the unit cost of this link can be compensated by the ease of investing. Where to direct investment into mutual funds, investment funds are sometimes required a large initial, approximately 1-5 million, while the unit can be enough to link with hundreds of thousands of dollars alone.

Your consideration for choosing is that you can compare them directly. It means, think about the needs of any insurance you need, and how much the coverage. Are unit-linked insurance or are you now that’s compatible with your needs or not. Compare also with other insurance or who exactly fit your needs it.

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