in the Russian life insurance market is going to breathe life again, this time his resuscitation Sberbank plans to do.The initiative of the State Bank will enjoy broad support for the legislative authorities.Already this spring, the government could consider the initiative of the Federal Service for Financial Markets, there are also substantial doubt that the cumulative rate of return of investment insurance, whom actually is life insurance, exceed the rate of inflation.create a special fund for the payment of life insurance contracts.Probably, it will be formed by contributions of all market participants.The goal - to raise the credibility of the still unpopular in the country way of saving money.
not an easy task.Until now, companies engaged in the Russian market of life insurance, could not boast of any outstanding success in terms of placement of their clients.The toolkit, which is defined by the legislation for this rather narrow, and the qualification of managers is poor.
Savings Bank, meanwhile, is preparing to implement an aggressive strategy to capture the market.For these purposes, it has purchased an insurance company, and the audience, which is interested in giant wants its new product should have an income of 60 thousand rubles in the regions and 100 thousand in the capital.
Buying agent in the insurance market for the whole of the market, even in something symbolic - Sberbank acquired the Russian "daughter" of the German holding company Allianz, the company "Alliance Life."In the largest insurance companies in Europe, the market quite rudimentary, it is not more than 1% of the total insurance in Russia, whereas in the West, this share can reach 60-70% .biznes life insurance in our country is not explicitly specified, and it is, as alreadya lot of her colleagues, left Russia.The main problems in this market are two, and both are linked to the issue of trust.Firstly, in our country do not trust the money taken for long periods.And secondly, the global insurance market, first of all life, showed its unreliability during the last financial crisis without state support would have collapsed even a "monster" like AIG.
There are also significant concerns that the cumulative rate of return of investment insurance, whom actually is life insurance, exceed the rate of inflation.
Investing collected under these agreements is held on similar rules as the management, say, pension funds.Meanwhile, managers of private funded pension received in 2011, the result is much worse than the state VEB, and also failed to overtake the rate of depreciation of money.That is, people trust insurance savings virtually no one.
other words, in the eyes of the population banal bank deposits will continue to look much more preferable than supply management companies.They are made in a shorter period of time and give our country a higher, or at least more stable returns.
So far, the investment strategy of the Savings Bank of the insurance market is not clear, however, already have the information that the credit institution is preparing some legislative initiatives, which should help him (and to all other companies too) is more profitable to place money of citizens who have bought policies.There is no doubt that in such a "locomotive" will soon line up and other members of the life insurance market, unless, of course, the Savings Bank will be able to "roll out" the service.In the meantime, the market in a very embryonic stage, it is not more than 1% of the total insurance in Russia, whereas in the West, this share can reach 60-70%.
financial giants, in addition to purely technical problems have to be resolved purely psychological problem - in the Russian insurance perceived by the population as a necessary evil.For this reason, we can assume that the big money will come back very soon, therefore, the insurance company will operate Savings Bank amounts sufficient to create a balanced and effective portfolio.
Because portal MoneyVector advises consumers to look far for a new product, wait at least a year or two to see what the yield will be able to provide managers of the Savings Bank.And if it will be at the level of deposit rates, or even below, wait for the growth of professional skills of employees of insurance companies that are engaged in investments.
Also do not forget that investment insurance you no one can promise, that is, profits may not be - in the financial world so often happens.It may even be a loss, this one too is not immune.In other words, it is necessary to think ten times before you give in to the entreaties of the managers of the Savings Bank.
