2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
No one can be sure about tomorrow. Even those who carefully plan their own lives are not immune from illness, accidents, crimes, etc. But there is a way to be sure of the material well-being of loved ones. Endowment life insurance will come to the rescue. The rating of companies offering such a service will be presented below.
What is endowment insurance?
The cumulative life insurance program makes it possible to accumulate certain funds over several years. The client undertakes to pay monthly or yearly fees. At the same time, the insurance company is obliged to pay a certain amount upon the occurrence of an insured event or at the end of the contract.
Cumulative life insurance is more developed abroad. The rating of companies abroad is replenished annually by new young organizations that offer to conclude a deal on more favorable terms. Clients get the opportunity not only to save funds, but also to increase them. Cumulativeinsurance involves the possibility of capital accumulation in combination with life and he alth insurance of the client. Before concluding such an agreement, it is worth studying the offers of various companies.
Renaissance Life
The insurance company has been operating on the market for a long time and managed to win the trust of citizens. This is one of the first domestic organizations that began to offer accumulative life insurance. The rating of companies offering such a service, "Renaissance Life" begins not by chance. The client has the opportunity to choose in which currency to conclude a transaction. It can be rubles, dollars and euros. Any citizen of the Russian Federation from 18 to 55 years old can become a client. At the end of the contract, the client must not be over 65 years old.
It is possible to choose the term of insurance (maximum - 10 years). At the end of the contract, the client is paid the entire amount of contributions with a 40% benefit. In the event of the client's death, the paid contributions are returned to the beneficiary. All money that a person pays is protected from inflation. Thus, everyone gets the opportunity to plan their financial future.
ASKO
Cumulative life insurance is becoming popular all over the world. The rating of companies in Kazakhstan is opened by the ASKO organization. Any adult citizen of the country can insure life and he alth and at the same time accumulate a certain amount of funds. The cost of the policy is calculated individually and depends on the amount that the client wants to receive byexpiration of the contract.
Apply for a deal, anyone can in real time. At the same time, in order to receive a policy, it is not necessary to leave the house. All necessary documents will be delivered by mail. Those customers who still come to the company's office on their own can get a 15% discount when concluding a deal.
Alfa Life Insurance
Cumulative life insurance will give confidence in the future. The rating of companies is continued by Alfastrahovanie Zhizn. The program offered by this company will help not only to accumulate the required amount of funds by a certain point, but will also become material protection in the event of the death of a client or his disability. In the event of an insured event, the relatives receive the entire amount.
The savings program is fully protected from taxation. Until the money is returned to the client, all contributions made are considered the property of the insurance company. Therefore, material obligations to the state are completely absent. Any adult citizen of the Russian Federation not older than 55 years old can become a client of an insurance company. At the end of the contract, the policyholder receives the entire amount of contributions with a reward of 17%.
Rosgosstrakh life
The institution also offers profitable endowment life insurance. In the rating of companies in 2016, Rosgosstrakh took one of the first places. The program offered by the organization has a number of advantages. The client, as well asrelatives can receive financial protection in unforeseen situations (death of the policyholder, illness, accident). In addition, it is possible to form targeted savings for studies, the purchase of real estate or a vehicle. The insurance program allows you to correctly plan expenses. Accumulated funds are indexed annually to protect them from inflation.
How can I get endowment life insurance? The rating of companies includes organizations with which it is possible to conclude an agreement on loyal terms. If we consider Rosgosstrakh Life, then any adult citizen of the Russian Federation not older than 70 years old can become a client. The term of the contract is from 5 to 22 years. At the time of the transaction, the client has the opportunity to choose the mode of payment of insurance premiums - monthly, quarterly or annually. At the end of the contract, the policyholder receives back the entire amount with a reward of up to 10%.
Russian Standard Insurance
The institution offers a wide range of insurance programs, including endowment life insurance. The organization replenished the rating of Russian companies not by chance. An agreement concluded with an insurance company can be an excellent alternative to a deposit. Funds deposited by the client are reliably protected from inflation. This means that the client can be sure that the money will not only be saved, but also increased. In addition, the policyholder will receive payments in the event of an accident or illness.
Customer of the company"Russian Standard Insurance" can become any citizen of the Russian Federation who has reached the age of 18 years. You can sign the contract at any office of the institution. In real time, you can also apply for a cumulative life insurance policy. The rating of insurance companies for the most part includes organizations that have convenient web resources for customer service. Clients of Russian Standard can at any time go to their online account and clarify information on savings.
Sberbank Insurance
Sberbank is the most demanded financial institution in Russia. Offers organization and accumulative life insurance. The institution added to the rating of companies because it presents quite favorable terms of the transaction. In addition, several endowment insurance programs are offered at once. "First capital" is a product that involves the accumulation of funds for children for adulthood. The transaction can be executed immediately after the birth of the child. The heir will receive the entire amount of accumulated funds upon reaching the age of 18.
The "Like a salary" insurance program is also popular. The bottom line is that the client pays contributions until he goes on a well-deserved rest. Then the payments already begin to arrive to him. Such endowment insurance is especially beneficial for people who work unofficially. Insurance company payments can be a great addition to a small pension. Relatives receive the amount of remuneration when they die at the accumulation stage.
VSK Insurance
This institutionalso offers endowment life insurance. In the rating of companies in 2016 providing services in St. Petersburg, the organization took first place. The advantage is that not only citizens of the Russian Federation, but also foreigners permanently residing in the country can be insured. Under the accumulative life insurance program, a child older than 12 months can also be insured. Payment of remuneration is carried out in the case of an agreed period or until the client passes away.
At the request of the insured, an additional clause relating to he alth can be included in the contract. At the same time, the amount of regular contributions will be slightly higher.
Cumulative life insurance from VSK has its own characteristics. The client has the opportunity to independently choose the amount of guaranteed savings. This is a profitable investment. Funds are indexed, so they are reliably protected from inflation. Contributions to the client must be made quarterly or every six months throughout the entire period of insurance (from 5 to 20 years). The minimum sum insured is 150 thousand rubles. You can make a deal in a foreign currency (dollars or euros).
Metlife
Cumulative life insurance is issued for a sufficiently long period. The rating of companies with an annuity payment is worth studying at least in order to be sure of the exact receipt of remuneration at the end of the contract. It is no coincidence that many clients decide to cooperate with foreign companies. One of the most requestedforeign insurance organizations is Metlife. The company has been operating on the market for over 15 years. There are also offices in the CIS countries.
The accumulative insurance program called "Prestige" is popular. The beneficiary can be both an adult and a child. The client has the opportunity to independently choose the sum insured, which will be divided into equal parts. Clients can make monthly or annual contributions. The accumulated money is paid out at the end of the contract or in the event of the death of the policyholder.
The Prestige program is a solid financial foundation to prepare for important events in the future. The calculation of the estimated cost of insurance can be made in real time on the official website of the company.
VTB Insurance
The organization also offers accumulative life insurance on favorable terms. In the ranking of companies in 2015, the company entered the top ten. Beneficial programs for children and adults are offered. The product "Reserve Fund" is popular. Even the first installment makes it possible to receive maximum financial assistance in an emergency. In addition, each client has the opportunity to receive 13% of the invested amount back in the form of a tax deduction.
"Reserve Fund" allows you to create legal protection for financial savings. Contributions paid by the client under an insurance company agreement cannot be withdrawn by a court decision.
Personalplan” is another popular endowment insurance program. With the help of regular payments, the client can generate personal capital, which will be paid out by a certain date.
How to make the right choice?
Cumulative life insurance can really be profitable. Rating of companies, reviews about them - this information is worth studying before dwelling on a particular institution. It should be borne in mind that the contract will have to be concluded for a long time. Preference should be given to insurance companies that have been operating on the market for more than 10 years.
Be sure to pay attention to the authorized capital of a particular organization. The company is considered reliable if this figure exceeds 200 million rubles. It is worth paying attention to the free assets of the insurance institution. The more material assets a company has, the higher its solvency.
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