Memory insurance already makes a competition to depositary contributions Everyone whose incomes exceed a personal living wage sooner or later reflects on accumulation. And at the beginning, as a rule, the most simple way is used – in a secluded place cash is postponed. But in the conditions of growing inflation it becomes irrelevant and […]
Memory insurance already makes a competition to depositary contributions
Everyone whose incomes exceed a personal living wage sooner or later reflects on accumulation. And at the beginning, as a rule, the most simple way is used – in a secluded place cash is postponed.
But in the conditions of growing inflation it becomes irrelevant and it is necessary to search where it is possible to place money to minimize their depreciation. To the most widespread and simple for consumers remains the depositary bank account: the money are in safety and percent is protected from inflation.
However there is one more way of accumulation is a life insurance. How it is possible to use it knowing the few. And meanwhile, the memory insurance can become alternative to the depositary contribution, especially on long distances.
Memory life insurance – what is it?
In all developed countries the insurance companies are the richest financial organizations and there are much more money on their accounts than in actives of banks. To us, citizens of the Post-Soviet countries, it can seem strange. And meanwhile, life insurance is the most popular kind of the insurance all over the world. Having issued it owners of policies receive protection for all occasions and thus their money brings in their the income.
In offers of the insurance companies working in our country, life insurance can be: simple, memory, pension. What is the memory insurance?
At the deposit, especially with various concessionary terms, nominal profitableness can be more. For example, annual insurance company can oppose to the bank interest rate of 15-16 % 4 % of the guaranteed investment income and whether can “catch up” with the investment income the bank rate, it is not known.
For example, client А and the client B. have simultaneously opened “accounts”: the first – in bank, in the form of the depositary contribution with prolongation having put for a year of 3 thousand grivnas under 14 % annual; the second – in the insurance company having concluded the contract of memory life insurance having brought the same 3 thousand. Profitableness of the contribution of client А – it is potentially obvious above than profitableness of an investment of the client B.
After half a year there was a tragedy. Successors of client А have addressed in bank, but to them have answered that according to the legislation they can enter rights of succession only in half a year, and if anybody more doesn’t apply for this inheritance. In half a year they have received 3420 grivnas (the contribution with percent).
To successors of the client B at which the sum under the memory insurance was 40 thousand grivnas, have paid this money in three weeks after destruction of the insured.
It turns out that having used service of memory insurance the person will receive less benefits but it is more than guarantees for the relatives.
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