"Smartpolis", Sberbank: reviews of users and customers about the insurance company

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Investing in microfinance companies and various investment funds is a risky business that requires significant time and material costs. The insurance company "Sberbank Insurance" offers compatriots a new investment insurance program called "Smartpolis".

General information

Investment life insurance can be an excellent tool to guarantee a stable passive income. A special program was developed for this product, which includes a system of accumulative insurance and a specific form of investment.

The essence of life insurance for citizens is to receive investment income after the expiration of the contract with a banking organization. Insurance company "Sberbank Insurance" offers a uniquea product during which you can get life insurance. If the client has an incident specified in the terms of the contract, the bank returns the amount of insurance and savings formed at the time of the insured event.

Product specifics

Insurance company "Sberbank Insurance" was founded in 2014. Investment life insurance services are in great demand among citizens. The company is a subsidiary of Sberbank of Russia, which owns its authorized capital. The offered programs occupy a leading position in the insurance market in Russia. This insurance product provides citizens with special advantages and benefits. Investment life insurance can be issued as part of the Sberbank Premier and Sberbank First service package.

This insurance product is a special financial instrument that allows you to get a good income. It has its own advantages and disadvantages. Clients need to carefully study all the clauses of the contract, and in case of questions, be sure to ask them to a specialist.

Highlights

Invested cash is divided into two parts, one of which is invested in high-yield instruments, and the other is invested in proven low-yield counterparts that guarantee a return on funds. Insurers invest in safe deposits, risk fund and bonds with high potential income. Thanks to investments in the guarantee fund, the companyensure their timely return. Unlike a regular deposit, the sum insured cannot be divided or seized upon divorce.

Also, the client does not need to have special skills and knowledge in the field of investing. Reviews of Smartpolis in Sberbank report that additional contributions can be made during the entire period of the contract. This insurance product can be issued by any adult citizen. The acquisition of an ILI policy allows you to maintain financial well-being in the event of adverse situations. Sberbank's Smartpolis program provides for a minimum investment period of 5 years.

How the program works

Before concluding an agreement, it is necessary to choose the most effective instruments for generating high profitability. Among them are:

• shares of Sberbank of the Russian Federation;
• gold;
• US stock market;
• Global real estate sector;
• commodity fund;
• RTS index;
• innovative technologies.

Smartpolis funds can be invested in the Bond Fund, which provides high returns over a long period of use. Investing money in demanded precious metals also does not lose relevance at the moment. The choice of fund is based on the requirements of investors, it must meet their needs.

Customers,who hold conservative views may choose a bond strategy. In the international financial market, the most stable sector is the Global Bond Fund. Reviews of "Smartpolis" in Sberbank Insurance confirm that bonds allow you to get a stable income for a long-term investment of funds.

Enthusiastic clients who intend to keep up with the times choose commodity funds. Many people prefer to invest in the innovative sector of the economy: new technologies. "Smartpolis" of Sberbank is able to protect funds, as well as increase income. The terms of the program allow the client to change the asset, make additional contributions, withdraw dividends, and also take profits.

Some reviews of "Smartpolis" in Sberbank contain information about profitability. It is indicated that it can reach 200% for the entire period of the contract.

Features of the program Sberbank Life insurance "Smartpolis"

The client can include any natural person as a beneficiary. The minimum period of the contract is 5 years, if desired, you can increase the contract term. The client is able to make additional contributions and independently choose financial instruments to form the target amount. In your personal account, you can manage investments and control the profitability of assets.

The investment product allows not only to save money, but also to get a certain level of income. If the client carefully examines the terms of the contract and correctly evaluatesrisks, then you can hope for a profit and be sure of the return on previously invested funds.

How does the program work?

On a practical level, it works like this:

• The client forms the capital, which is subject to increase, and also determines the frequency and amount of contributions. He can deposit funds once a year, quarter or month.
• Then you need to determine the validity period of the "Smartpolis" program. For many clients, it is timed to coincide with significant events: the admission of a child to a university, retirement, a trip around the world, etc.
• After fulfilling the above conditions, a person will need to consult with a specialist about cases in which a payment can be received. It is permissible to include additional risks in the contract at the request of the client.

Then he makes payments on a regular basis until the insurance period ends or the target amount is accumulated.

You can be completely confident in the reliable protection of the deposit, which is in the insurance company. The Bank, at its own discretion, uses the funds to invest in promising projects and earns certain interest on this. The profit received is distributed as a percentage between the depositor's account and the banking organization.

The insurance company pays the agreed amount only upon the occurrence of events that can be attributed to the definition of "insured event". ReviewsAbout "Smartpolis" in Sberbank they report that life insurance provides a reliable financial cushion. If a customer is injured resulting in disability, the insurance company will pay premiums for the customer.

How to terminate the contract

To carry out this procedure, you must contact the company's office with a proposal to terminate the contract by agreement of the parties with a subsequent refund. In the event that the company does not respond to the application, it is recommended to file a lawsuit with the judicial authorities at the place of residence. The client can indicate various reasons for terminating the contract, for example, violation of the terms of the contract.

Reviews about "Smartpolis" in Sberbank report that the institution satisfies the requests of customers who apply with such applications. Experts do not recommend terminating the contract ahead of schedule, since such actions may entail financial losses for the client. In accordance with the Civil Code, insurance premiums are non-refundable, unless otherwise provided by the contract. Such a condition is not provided even for customers of a special format of service. These include Sberbank Premier policy holders. Reviews of depositors about the coupon "Smartpolis" claim that such an agreement can only be terminated through a judicial authority.

"Smartpolis" coupon

This product is distinguished by the possibility of obtaining an annual income if all the conditions of the contract are met. Choosing "Smartpolis" coupon, the client invests money for 5years. In the event that the increase in the value of the shares did not occur in the first year, then the client can receive coupons. At the same time, the program provides for two types of them:

• investment, which is provided to the client after a year with an increase in the value of shares;
• guaranteed, which is payable regardless of external factors (the amount of income is 0.1% of the deposit amount).

In the event that the value of the shares did not increase in a year, and in the next period there was a sharp increase, the client can receive a double investment coupon.

Advantages of coupon "Smartpolis"

If the value of the shares has risen, the investor receives benefits, for example:

• The client can count on a 100% return of the deposit.
• Throughout the entire period of the investment agreement, there is a tax privilege for issuing a deduction.
• At the time of conclusion of the contract, the percentage of the investment coupon is set.
• If the client dies during the term of the contract, then all the funds can be received by the beneficiary. At the same time, the final payments are not subject to taxation.

Public Opinion

Customer reviews report that this program helps to get passive income. Many note the advantages of "Smartpolis" over traditional insurance programs. However, there are some very unflattering comments from customers about this program.

Negative reviews are associated with the lack of the ability to exit frominvestment program without financial losses. In addition, "Smartpolis" does not guarantee the payment of high income.

It is important to take into account that the higher the guarantor, the lower the level of profitability the depositor can receive. This program is suitable for people who can independently choose a highly profitable fund and are focused on long-term investment.

Some clients report that investment insurance is the best option for clients who have formed an initial capital of 100,000 rubles and are ready to invest this amount for at least 5 years. Investment life insurance, reviews of which confirm the feasibility of investing, is gaining popularity in the country every year. Clients talk about the possibility of receiving a refund even in a situation in which the underlying asset falls in price.

Reviews of contributors

Some clients note a low yield, amounting to only 5% of the amount of the deposit on "Smartpolis" in Sberbank. Reviews about life insurance are completely different, but many depositors are not satisfied with the countdown, which begins only a month after the signing of the contract.

Customers report being unaware of money-related details for the duration of the contract. In other words, depositors cannot receive information on the percentage distribution of the investment deposit.

Reviews about "Smartpolis" (Sberbank-Insurance) contain information about the difficulties in redistributing funds between funds. Dissatisfied savers report rare updates to stock price charts in their account.

According to many reviews about "Smartpolis" in Sberbank-Insurance, we can conclude that it is problematic to terminate the contract without financial losses. There are often comments about the lack of high returns.

Summary

This product allows the client to purchase guaranteed protection of he alth and life in the event of unforeseen situations, which is confirmed by numerous positive reviews about Smartpolis in Sberbank.

Clients can invest free funds without the risk of loss to make transactions in the stock market. The total amount of the insurance premium is not subject to personal income tax, and deposits cannot be collected or confiscated from the client.

It is important to be aware that assets are not joint property. At the request of the client, the insurance contract may provide for beneficiaries in the event of the death of the insured person.