Is It Necessary To Insure Life In The Conditions Of Crisis?

With arrival of crisis weight of banks have stopped to care of preservation and increase in savings of Ukrainians. However, this blank partially undertook to compensate life insurance companies. In September the market of “life” has made 404,3 million grivnas of insurance premiums, this sum is less on 16 % than in the first-second quarter […]

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With arrival of crisis weight of banks have stopped to care of preservation and increase in savings of Ukrainians. However, this blank partially undertook to compensate life insurance companies. In September the market of “life” has made 404,3 million grivnas of insurance premiums, this sum is less on 16 % than in the first-second quarter than 2008 but there is nothing to worry about. For a year the insurance market will decrease for 20-30 %, at closing of the companies acting administrations weren’t entered as in the market of brave insurance.

Life insurance companies are not so subjected to bankruptcy as brave. Reliability of life is supported with insurance reserves. The most terrible that can occur in the life insurance market is a reduction of volume of gathering. The maximum number of the policies signed last years, haven’t gained in strength yet so that it was possible to speak about payments of the redemption sum though a little approached to the sum of the paid insurance.

Crisis arrival has affected Ukrainians, the great bulk passes to health and life insurance. Sales of memory insurance have sharply fallen and there are no bases to believe that the situation will change for the better in the near future. Therefore life companies finished brave products supplemented with their new options.

Insurance agents create the personal program of financial security for each separate client, considering level of security material benefits, his family structure, a state of health. Life insurance companies offer favourable conditions being afraid to lose clients. As experts in the life-insurance market assure, anything terrible won’t occur.

The basic expenses of the companies on life insurance are payment of the commission fee falling proportionally with reduction of sales of life-products. But also for development it is not necessary to wait for investments in the future. The insurance capital parasitizes on the banking capital, hence growth of the market of insurance will be synchronized with the general economic lifting. There will be this lifting smooth or sharp depends on many factors and a policy, not only in Ukraine but also in the world.

To the market of insurance of Ukraine of growth within 3-5 years is not necessary to wait. Experts consider that the insuring life companies haven’t too suffered in crisis as owe nothing to the clients. Today demand on life is insignificant, often Ukrainians buy that insurance agents aggressively sell. To be insured from accident it still all right but in order to get the memory policy it is necessary to be assured of stability of financial receipts, at least throughout a year. As the payment termination threatens with loss of already paid insurance payments. In this connection it is necessary to think well before to prefer memory insurance which during crisis can turn to the confused contribution of money easily. Though reinsurance level at life insurance very high so the life-policy is capable to keep accumulation.

Those who are hunting for the health insurance quotes should keep in mind that nowadays we live in the world where knowledge quickly enhances the quality of our life.

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