Recently increasingly heard from the TV screen or other sources of information about insurance.With regard to the mandatory part - with this easy (there is no choice: to have a policy or do not have).But the voluntary part of the possible defenses requires more public awareness in this area.Talk about cumulative life insurance.Its importance and the need for everyone.
history
Getting life insurance initiated in England in the XVIII century.Already in the next century, this idea was implemented in Germany, France, the United States, tsarist Russia.The main principles of work are used in the modern world.90% of people in Europe and America today are covered with life insurance.In Russia, this figure is very low.
The principle of insurance
principle itself is simple and straightforward.Man pays a premium (it is a sum of money that is paid to the insurance company in order to obtain insurance service).An insured event, provided by the contract, - the client or his heirs (in the case of death of the insured), get a certain amount.As for life insurance, then there is also insurance, and saving money.Since the premium (premium) - a cash investment a person for profit.Customers money the company invests in various financial instruments (real estate, securities, bank deposits, etc.).At the end of the contract the person returns, the sum of insurance premiums plus investment income.In the case of death of the insured until the end of the policy money in the amount of the agreed sum insured is paid to beneficiaries (usually a family member).
popularity in Russia for voluntary insurance, in general, people spend up to 2% of earnings.Whereas in most of Europe the citizens, it takes 1/3 of the monthly income.The main reason for the unpopularity, according to insurers, is ignorance of the population about this product and its intricacies.The result - the fear that the money should be given for 10 years or more people is much higher than the desire to protect themselves and their families, while providing the capital itself.Yet layfovogo insurance market is developing rapidly.According to the Association of Insurers of life insurance premiums in 2013 increased by 40.6% compared with 2012.Of these, a sum collected for life insurance of citizens has increased by 59.9%.Over the last four years, the market size has become six times more.
demand in Russia children's programs.In this case, the insurance premium - is the future of the child, which for the Russians is always a question № 1.
importance
What does the program of life insurance a person?
• financial protection in case of death, disability, and various diseases.
• Possibility of cash savings for inflation.
• Acquisition of investment income.
• Creating equity in the future for themselves with the right of inheritance beneficiaries.
• Creating capital for their children.
Guarantees
Over the past 200 years the world has no layfovaya insurance company went bankrupt.This contributes to good control of their activities by the state and the system of reinsurance.
Features
In order to always have money, need to know how to properly dispose of them.Even a small income can defer 10%.Make insurance premium - which means to pay yourself first, and then the rest of the defined benefits.Cash reserves to help in the most important situations.
