P4c4ran 5 t4hun J4ga J0d0h Or4ng, Pri4 Ini Cvma J4di T4mu Und4ngan P3rnik4han

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Pacar bukan berarti jodoh, kalau serius segera halalin...
Jangan sampai bernasib seperti pria ini, 5 tahun sia-sia cuma njagain jodoh orang.

Video ini sedang viral!! Dulu sayang, kini datang sebagai tamu undangan...

Menjalin hubungan bertahun-tahun, tak ada jaminan bisa berjodoh naik ke pelaminan. Seperti kisah mantan sepasang kekasih yang viral di media sosial berikut ini.

Cerita berawal saat seorang pemuda yang merupakan mantan kekasih mempelai wanita datang ke acara pesta pernikahan.

Dalam video yang dibagikan oleh akun Instagram @makassar_iinfo pada Selasa (15/1/2019), tampak pemuda berkemeja batik ungu memeluk ibunda mempelai perempuan di atas panggung pelaminan.


Ibunda mantannya itu tak kuasa menahan sedih melihat kehadiran bekas kekasih putrinya di acara pernikahan.

Padahal, pemuda itu diketahui telah berpacaran dengan putrinya selama lima tahun.
"Pacaran 5 tahun, pria ini hanya bisa menjadi tamu undangan buat sang mantan, lihat betapa tegarnya pria ini. Sebelum turun dari panggung, pria ini menyempatkan salam, yang biasa ia lakukan sewaktu pacaran. Sakit tapi tak berdarah," tulis akun @makassar_iinfo dalam keterangan video

Namun, apa daya manusia hanya bisa berencana dan takdir Tuhan pula yang menentukan. Sejoli itu tidak berjodoh untuk melanjutkan hubungan ke jenjang pernikahan, hingga akhirnya sang wanita dipinang oleh pria lain.

Video itu juga dibagikan ulang oleh pemilik akun facebook Yuni Rusmini. Sejak pertama kali diunggah, videonya telah ditonton sebanyak lebih dari 2.800 kali,

Di akhir video sebelum turun dari panggung, pemuda itu menyempatkan diri menyalami dan memeluk mantannya.

Si mempelai wanita terlihat sempat menyapu air matanya. Meski tidak bisa menyembunyikan kesedihan, ia berusaha tetap tegar.

Pemuda itu juga menyempatkan memberi salam yang biasa ia lakukan sewaktu masih berpacaran. Momen itu pun tak pelak menjadi perhatian para tamu, khususnya yang berdiri di atas panggung pelaminan.

Ngenes bukan?? Pelajaran buat kalian semua, kalau memang serius segera halalin. Jangan sampai nasib yang sama menimpa kalian.

Variable life insurance is a type of permanent life insurance policy, meaning coverage will remain in place for your lifetime so long as premiums are paid. Every variable life insurance policy has three primary components: Death benefit Cash value Premium Every time you make a premium payment, a portion of it goes towards the cost of insurance and insurer’s fees. This is the money that essentially pays to keep the death benefit in place. The remainder of the premium goes towards the policy’s cash value, which is similar in structure to a brokerage account. The cash value can be invested in certain securities (often called sub-accounts) which resemble mutual funds. If the cash value performs well, it can be used to increase the death benefit, withdrawn as cash or used as collateral for a loan. The cash value is also the amount of money you would receive if you decided to give up your coverage to the insurer, or surrender it. Cash Value of Variable Life Insurance How a variable life insurance policy’s cash value works is what makes it particularly unique from a whole or indexed universal life insurance policy. Each policy comes with a prospectus detailing around 20 to 30 options for investing the cash value. The cash value investment options are similar to mutual funds in that there’s a particular set of securities that the money would be invested in, such as: An index, such as the S&P 500 A portfolio of equities, such as an emerging markets fund Bonds A money market fund In addition to these investment options, variable life insurance policies generally have a fixed interest investment option provided by the insurer. For each investment option, there are management fees, similar to expense ratios for mutual funds. These fees vary according to the securities being invested in and can be quite high if the money is being actively invested (meaning a portfolio manager is picking stocks). Cash value investment management fees are sometimes listed as “basis points”, and one basis point equals 0.01%. So if an investment option is listed as having a 6% historical rate of return but comes with 125 basis points in management fees, you should keep in mind that returns will be reduced by 1.25%. Since you’re able to choose from a variety of investment options, variable life insurance policies have higher upside potential than other cash value policies, such as whole life insurance. In addition, the growth of your policy’s cash value is tax-deferred, so you generally won’t pay taxes on gains so long as they remain in the account (which causes the cash value to grow faster). However, variable life insurance policies may not have a guaranteed rate of return, or it may be quite low. In addition, your cash value investment options typically have a cap on the maximum rate of return. So, your cash value can actually decrease in value during bad years and may not perform as well as it could during good years. Fees: A Key Downside to Variable Life Insurance Every permanent life insurance policy comes with fees but the downside to variable life insurance is that it tends to have the highest. Variable life insurance policies will typically have the following costs: Fee Description Mortality and expense risk charges These are the costs to provide the actual death benefit. Sales and administrative fees Costs to cover an agent’s commission, set up and maintain the policy, and the insurer’s ongoing expenses. Investment management fees These vary depending on how you choose to invest the policy’s cash value. Surrender charges Policies have a surrender period during which, if you withdraw part of the cash value or decide to give up your coverage, you will pay fees. The cash value of your policy typically isn’t equal to its actual surrender value for the first 10 to 15 years of coverage. Withdrawal fees Each time you withdraw money from the policy’s cash value you can be charged a fee. This is often relatively small, around $25. Policy loan interest If you take out a policy loan using the cash value as collateral, the insurer will charge interest on the loan. Riders Riders are add-ons that can be used to alter the terms of the policy. Each needs to be evaluated as compared to its cost and your financial situation. In particular, the administrative fees for a variable life insurance policy will be higher in part because these policies are SEC regulated investments. As the insurer passes these additional charges on to you, it should actually be consideration when you determine how to invest the policy’s cash value. If you choose relatively conservative investments, you’re likely to have gains that are more similar to a whole life insurance policy’s cash value, but whole life insurance policies will have lower fees. Therefore, with the same cash value rate of return, you would actually perform worse with a variable life insurance policy. Variable Life Insurance Death Benefit The death benefit of a variable life insurance policy is typically structured in one of two ways: Level death benefit - Death benefit is equal to the face value of the policy when you purchased it. Face amount plus cash value - This type of policy will cost more but your beneficiaries will receive your cash value in addition to the policy’s face value. Some variable life insurance policies provide other death benefit structures, such as equaling the policy’s face value plus all premiums paid, but these two are the most common. No matter your death benefit structure, you’ll always want to check the policy’s actual terms. You should confirm whether the death benefit is guaranteed and, if so, if the guaranteed value is the same as what is projected. The death benefit is essentially a “target” using an assumption of cash value performance, such as a 4% annual rate of return. The insurer projects that, assuming it meets this rate of return, the cash value would equal the policy’s face value when you pass away. However, if your cash value significantly underperforms, it may reduce your actual death benefit, depending on your policy’s terms.