Life insurance in Ukraine isn’t developed. It recognizes both the financial authorities and participants of the insurance market. The reasons those and others name different: representatives of regulating structures say that long time this market was used only for withdrawal of incomes of the companies from the taxation and experts of the insurance companies — […]
Life insurance in Ukraine isn’t developed. It recognizes both the financial authorities and participants of the insurance market. The reasons those and others name different: representatives of regulating structures say that long time this market was used only for withdrawal of incomes of the companies from the taxation and experts of the insurance companies — that too actively “smoothed out” the life insurance market last years from undesirable participants. So it is active that very few people “in a bench remained”.
Nevertheless, life insurance volumes gradually increase not so quickly as it would be desirable for participants of the market. The important role is played thus by two factors: first, the market is “moved” by large corporations which insure the employees without fail, usually on image reasons. The matter is that their partners from among the leading foreign companies simply don’t understand how the firm in which life of top-managers isn’t insured at least can work. In the opinion of “Westerners” it is an indicator of very low corporate culture with all that it implies.
The second progress engine is that fact that among Ukrainians is formed so-called “the top echelon of middle class”: a layer enough prosperous people who are anxious by a problem of planning of the inheritance and a problem of maintenance native on a case of the death. Life insurance in this respect is rather effective way of a solution of a problem. Especially, if to consider, it is possible what to be insured for enough great sum and monthly payments thus especially to burden family and personal budgets won’t be: tariffs at the majority of the companies under programs of life insurance don’t exceed 1—1,2 % from an insurance total sum.
One of the pressing questions which arise at life insurance is how to choose the company which can be entrusted not only the money but also destiny of the relatives — after all it insurance payments will be made subsequently? Experts advise, first of all, to address in the large companies with well-known names and good credit history. Even in case the conditions offered it at first sight will seem to you less comfortable than the conditions offered by average or simply small insurance company. Large insurers should be chosen at least because life insurance by definition is very “long” business connected besides with necessity to form considerable reserves under an insurance portfolio. As shows experiment the decision of such problems on a shoulder only to the large companies.
When the company is chosen it is very important to be defined with what insured events should be registered in the insurance contract. Here, as analysts explain, “ambush” usually disappears: the Ukrainians who have not got used yet to such difficult service as life insurance, concentrate the attention to the size of the insurance sum and on more often they should make what monthly payments. Meanwhile, much more important is how insured events are registered in the contract: under what conditions of payment are obligatory and when they at all won’t be. Actually, completeness of this list also is a price question or, more precisely, the answer to a question for what we pay.
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