Many factors cause this condition. Level of social welfare, measured by income per capita is still low, may be said the main cause. Plus the capacity of the insurance business is still relatively low so that efforts to conduct public education is still limited. In fact, education was very important to raise awareness, at least understanding of the importance of insurance.
Another thing that is not less important to promote the insurance industry is a strong set of regulations from the government. This one factor must be recognized is still weak, especially in terms of protection for customers. Why is protection for policy holders have a strong customer alias because they were the owner of the funds managed by insurance providers. They also will benefit in the future.
Regulations had to be double-edged. On the other hand, regulation must also be able to encourage the growing proliferation of the insurance industry, has the leverage to the development of insurance into a formidable financial institution, as a pillar of the national financial system resilience. Thus, the competitiveness of insurance may increase to come into play in the global marketplace
There have been steps taken by developing countries to strengthen the insurance industry, as part of strengthening national financial systems. However, the dynamics of the global industry demands more.
Insurance can be regarded as one of the pillars of a nation's economy, in addition to banking and capital markets. Insurance, with all its dynamics, has also been taking a pretty big role as a provider of employment, sources of income for the community.
Ranging from students to housewives mother is now with our easy to come across as a selling agent or insurance marketers. Insurance already ogled the literati as one profession that does not lose his prestige (including revenue) than other professions.
Indeed people who are listed as savers, depositors, and in the national banking Giran is quite adequate. Although it can not be used as a measure of affordability of community banks, because there are bank customers who have more than one account even 10.
In plain view can be seen penetrating the increasingly widespread banking market, to reach remote rural communities. Banking branch offices are already signed up to the district.
Insurance infrastructure is far behind, less than the banks. In fact, by working together banking, insurance, could quickly expand its reach in the midst of society
In the midst of the people whose income is low, may be insured is not a necessity, let alone be considered as a lifestyle. There are many other more urgent needs than setting aside some money for the purpose of self protection and property. Moreover, if you expect the public views insurance as an investment instrument, may still be too far away.
In fact, in the history of the financial system, insurance presence much earlier than other modern instruments, like mutual funds that had sped by quickly, but collapsed in the absence of a reliable exit policy, a policy which also need to be prepared early on while you fix the insurance industry and raise awareness community for the insured.
Insurance is now no longer as a means of self protection or protection of property alone. Do not forget, insurance has grown so much, become an instrument of investment that is expected to guarantee the availability of funds for future needs for the participants themselves and their families, when a person is no longer productive to make money.
Actors and insurance industry regulators responsible for straightening the public perception is wrong. Is not it because of lack of income that requires someone to be disciplined for not gelagapan savings when faced with a sudden need, such as for medical treatment when sick. Saving conventionally itself is actually another form of protection is done consciously or not by the public. Insured is transferring the management of risk to other parties, ie insurance companies.
Similarly, in terms of property protection, public awareness to protect their possessions with insurance are still regarded as a waste of money. Pay a premium each year on a regular basis, while the benefits are often perceived not comparable.
Less savory image attached to the insurance still felt strong. When prospective customers be persuaded to "buy" an insurance policy to provide an umbrella of risk, which could come at any time upon or destroy ourselves and our assets, the skies seemed to promise benefits.
However, when the customer's turn to make a claim, troublesome for mercy. The procedure is complicated, there is even not clear because of lack of transparency in insurance marketing process from the beginning. That image of insurance that linger in the minds of some members of the community so that the popularity of insurance is still alarming.
Look at the example in various media, scattered communities policyholders expressed disappointment. Customer complaints against asuransilah more prominent. In fact, those who feel the benefit is equally insured amount. If not, would have long vanished in a constellation of business insurance. This is the homework of all components of the insurance industry. Starting from the regulator, actors, and agencies supporting lemabaga, until an independent agent.
Agents who are in the front guard of the insurance industry is equally important and urgent pembenahannya. Starting from the system of recruitment, education and training, and expertise to submit insurance information, and describe its products to the public a clear, honest and transparent.
Only then, the reputation of the insurance industry can be built so that the image of insurance can be lifted. Unfortunately, many of the insurance industry that would prefer planting the image, but forgot to build the foundation of the insurance industry, namely reputation.
Building public awareness of insurance to prepare a better future, provide self-protection and its assets in the government's inability to provide adequate social security, is demanding unity of all components of the insurance industry and regulators. Without all that, just a vanity.
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