In recent years, almost the main task of every citizen of our country is to find a sufficiently profitable occupation so that the profits are enough to ensure a worthy existence for themselves and their family. The market is filled with offers, some of which promise a decent income, while others are frankly fraudulent. Navigate in this variety is not easy. In the past few years, the investment life insurance program has become increasingly promoted. Some are convinced that in it is the best opportunity for high profitability with minimal investment of effort, while others believe that it is pure money to entice. What is the essence of such a proposal?
Wealth of the financial market
Studying the offer market, you can find investment life insurance of Sberbank, there are programs from other major banks and insurance companies. It is not easy to choose among them something concrete. Organizations with extensive experience, good reputations, and a stable market position promise less profitability. Unknown, start-up companies or companies with a "tarnished" reputation, trying to attract a clientele, make more profitable offers. But is it worth it to carry out such an advertisement? It is necessary to analyze each option separately, but in the general case, according to experts, excess risk is not recommended. Only those who are well versed in the market of investment offers, including in the field of life insurance with the payment of additional investment income, can afford it.
Similar programs belong to the category of passive income. This means that you need to have a certain amount, invest it in the project and regularly make a profit. If everything goes according to plan, then no additional efforts will have to be made. Gives life insurance investment income, the value of which is determined by the terms of the selected program.
general information
Investment life insurance of Rosgosstrakh, Sberbank and other providers is such a funded program that has certain features of classic investment and insurance offers. The direction, long known in the West, has been of interest to Russian commercial companies in the past few years, as a result of which the market began to develop. On the one hand, the trends are positive, but at the same time, the reviews on Sberbank investment life insurance are still not complete and reliable, since too little experience has been gained.
What to look for? The key prospect access to which the investment life insurance policy gives is a big income. Payment is made at a time, at the moment when the period of validity of the contract concluded with the insurer expires.
What to count on?
The profitability of investment life insurance is determined by the following logic: when the contract comes to an end, the person who concluded it receives all the money that has accumulated over the years of the program. In addition to them, the insurer will pay the income secured by financial transactions over these years.
Investment life insurance received a high rating, positive reviews due to the level of protection - it is believed that this is one of the most reliable types of investments available today. Each of the program participants will receive their money. Refund guarantees are specified in contracts concluded with the insurance company.
What to look for?
Life insurance investment from other ways of investing money differs in the principle according to which capital is formed. The insurance company does not just receive money from individuals, but lets them work in the stock market. To do this, resort to various projects available on the Russian market. But it is beneficial for the insurer to choose only reliable projects with a low degree of risk, since the company is responsible for the money to the client. For a private person, this means that they will not risk his money in vain, but apply it where the profit is guaranteed. It is this reliability that is the keynote of positive reviews on investment life insurance.
At the same time, only those who conclude an agreement for a long time period can count on good profit. The shorter the program, the lower the income from it.
Nothing to lose
Under the agreement, the investor sends a certain amount to the policyholder every month. Both volumes and terms should be prescribed in the contract being concluded. When an insurance company receives money from a client, it leaves a certain amount in the account. This will be a person's contribution to life insurance. The insurance organization sends other funds to financial projects.
Some work according to a different logic - they send all the money received as investment life insurance to financial projects.
If the organization has invested in a successful project, then the passive income of the investor per year can reach 12%. In recent years, there have become more and more such companies that establish a control period of two years. After this time, the investor has the right to independently manage the savings.
Provide all the features
Since we are talking about investment life insurance, it seems logical already at the stage of concluding the contract to provide for the possibility of the death of the investor. If such an event really happens, the insurance company undertakes to pay the full amount of payments to the person who receives the right to benefit under the contract. Already at the conclusion of an official contract for investment life insurance, it is prescribed how much the recipient can expect.
An important point: the amount received in the event of the death of an investor by a third party is fixed, it does not change from the number and volume of contributions made under the program.
It is possible that the investor receives a disability group. The reasons are different: health problems, inability to work on an equal basis with others, loss of legal capacity. In such a situation, the insurance company is obliged to pay the investor a certain amount every month for the entire period for which the contract applies.
What other features are important?
An attentive and responsible investor will certainly be interested in what projects the insurance company plans to invest his money. This or that option may not appeal to the policyholder. In a situation where a person is dissatisfied with the financial instrument used by the company, he is entitled to choose an object for investing. In the future, the insurance company will place the contributions received from a private person here.
Everyone will like it
Even if it is still impossible to say that the market is full of investment life insurance programs, but it is approaching this critical “boiling point”. Already there are a lot of offers, there are plenty to choose from. Experts put forward a classification system that involves the identification of five categories of programs:
- one-time insurance payments or regular;
- with and without policies;
- with a wide range of financial instruments;
- very long, extremely small time intervals;
- subject to insurance claims.
Conditions: choose what is more profitable
Of course, since so much diversity is presented, each investor should choose the most convenient and profitable option for him.At the same time, you need to remember that insurance companies have their own conditions.
Typically, investment insurance does not imply a percentage of income collected by the company in trading operations. The amount received from the insured, the representative of the company each time discusses individually, contributes to the contract and officially fixes. Early repayment is possible, but most insurance companies impose fines for non-compliance with the terms of the contract. Most of the organizations set a minimum contribution of 100 thousand rubles or more, and the contract contains a condition - payment is possible only in a situation where an insured event has already occurred.
Get a policy: simple and profitable
There are two options for applying for an insurance policy. In one case, the period when pension payments are made is affected. The second option involves the action of the policy during the accumulation of money.
When concluding an agreement and issuing a policy, the investor gets the opportunity not only to save money, but, as they say, "keep abreast", monitoring the status of savings, coordinating their growth and controlling the tools used for this. Each month, a person sends an insurer a certain amount, which in the future will return to him with a profit. At the same time, the system is quite flexible, so you can configure it for yourself.
"Buns," of course, rely
Participants in investment life insurance programs gain access to better tax rates. If the investor was in an officially registered marriage, but decided to terminate it, he will keep the money with him - the policies are not subject to division.
An even more difficult financial situation is the confiscation of property. Even in it, investing in life insurance can play into the hands - you can’t confiscate the policy even when the court has decided to withdraw personal savings.
Five years after the start of participation in the insurance program, the investor can already count on a decent passive income. True, this is available only to those who correctly formalized cooperation and regularly make money in accordance with the schedule. In addition to its own security, such a program allows for the future of its immediate family. Even if the insured person encounters difficulties (insured events) or dies, his family can count on help from the insurance company.
Contract: conclude correctly
Investment life insurance is available to all interested individuals whose country of residence is Russia. Most companies work this way only with adult citizens not older than 70 years.
An investor and an insurance company enter into an agreement. Legally, it will be valid when both parties put their signatures, the investor will provide a down payment to the organization. Under the agreement, the execution of the transaction is accompanied by the issuance of a policy, a copy of the agreement, the rules according to which the insurance program is carried out. Not only the transfer of documentation in person is allowed, but also sending by mail to the official address.
We read everything that we sign!
Legally not very savvy citizens of our country have one unpleasant feature: we love to sign all the papers that they attach, without even reading what is written in them. The smaller the font, the fewer people will read the terms of the program they are subscribing to. If you plan to become a member of an investment life insurance program, such a carefree approach is not acceptable. In the end, both your future and your family depend on it. Therefore, to read the contract carefully, from line to line, to delve into, and if necessary, check with specialists - this is really necessary!
When concluding an investment insurance contract, make sure that it indicates the duration of the program.Be sure to check with the representative of the insurance company, how it is supposed to share contributions, what percentage of the proceeds the company will invest in investments. Also, the official paper should clearly indicate the risks that are included in the insurance program.
Obvious but important
When concluding an investment life insurance contract, make sure that the document contains complete information about the address of both parties, details for making payments. This is where every month you have to pay money.
As soon as the deal is signed, the contract is stamped. This can be done only by such an employee of the company, who ex officio has the appropriate authority. As a result of the conclusion of the contract, an insurance policy is drawn up for a private person. It is documented that a person did participate in a life insurance program. It is important to store it in a safe place, and with it - your copy of the contract. To receive the amounts due without these pieces of paper will be quite problematic.