Audience: Life Insurance and how to arrange it
Right Educational Program / / December 19, 2019
What is life insurance
This type of insurance, in which you pay the money, if you will live or die RF Law of 27.11.1992 N 4015-1 (ed. from 03.08.2018) "On the Organization of Insurance Business in the Russian Federation" up to a certain age or period. The exact conditions prescribed in the contract. It may also be included as additional risks of injuries, disabilities, severe diseases and the like. This is optional, but useful options.
The amount of payment will depend on the contributions, insurance and many other factors of the program. All of them, as well as the size of the amount and the conditions under which the insurer can terminate the contract or to leave you without money, will be specified in the contract, so read it carefully.
Life insurance is a pretty good investment for those who want to protect themselves in the event of a difficult situation, because payments far exceed the fees paid (however, there are different options, so read Treaty).
You can insure your or someone else's life. But in the second case, it is sure to obtain a written consent of the insured. Otherwise, the contract is easy to challenge
Article 934 of the Civil Code through the courts.Is more co-insurance:
- on the occasion of the first death - when one of the insured dies, the money to pay the second;
- on the occasion of the second death - when both the insured die, the heirs will receive the money.
Who, when and why to insure life
This security tool can be useful to all, if properly use it.
1. A family man with a mortgage loan
A man may die, but the debt is not will resolve. As a result, the family or be painful to save paying the mortgage or lose the apartment, which will be sold for the return of funds to the bank. Insurance will help prevent this from happening.
In addition, the policy usually helps lower the interest rate on the mortgage. At the same time we must understand that insurance when obtaining a loan can not be compulsoryRF Law of 07.02.1992 N 2300-1 (ed. from 06.04.2018) "On Protection of Consumer Rights".
2. traveler
Life and health insure when going abroad. This will not spend a fortune, such as the repatriation of the body. In addition, the policy is required to obtain a visa in several countries.
It is necessary to pay attention to the exceptions that insurance does not cover. And there may be many. For example, the investigation of injury (including death), obtained in a state of intoxication or exacerbation of chronic diseases.
Sergei Leonidov, CEO of financial aggregator "Sravni.ru"
3. young family
In this case, you should choose a cumulative investment or insurance. If you something happens, the family will receive the money. If all goes well, then you do get money and spend it, for example, the formation of the child.
Insure your life can be anyone. But this is especially needed for those whose work or other activities associated with life-threatening. They are employees of public services (Ministry of Emergencies, Ministry of Internal Affairs and other) citizens working in harmful and hazardous working conditions, workers of the Far North, and so on.
Konstantin Bobrov, director of the legal service of "One Center for Protection"
What are the insurance program
1. risk insurance
If you die, the money will be given to the person who is specified in the contract as the recipient of payments.
2. Endowment insurance
It combines the functions of insurance and accumulative billOn which you report periodically to the money. If you happen to die or anything else specified in the contract, you or your relatives will give the sum insured. If you live to the agreed date of the policy, will take the accumulated.
I would recommend a program of life insurance for a period of 5 years. So you can save money, and at the same time your life is insured.
Elena Potapova, Ph.D., a consultant on the financial literacy of the Ministry of Finance project
3. investment insurance
The insurer makes your money work and receives income, which share with you. The idea of passive earnings tempting, but risks are: contributions and investment income are not insured. The company goes bankrupt and you lose money, and investments may not yield the desired or stated insurer profits.
Termination of the investment of the insurance contract prematurely threatens not only the loss of the earned interest, but also an impressive amount of own funds. Those consequences will be if you can not pay regular contributions.
Sergei Leonidov, CEO of financial aggregator "Sravni.ru"
According Leonidova, among the advantages of investment security - protection against legal claims. Investstrahovki money can not sue a divorce or to withdraw in favor of the plaintiff, while the funds from the deposit or the account can be.
Paid the sum insured will not be taxed, and when the contract for a period of 5 years, you can get tax deductions PIT with regular contributions (13% per annum on the amount of up to 120 000 rubles). By the way, the same advantages apply to savings and insurance.
If you die, the money will go under the insurance contract to the person who is specified in the papers as the recipient of payments, the heirs or if you do not specify the recipient.
4. Voluntary pension insurance
This point resonates with an accumulative insurance, but need to live to retirement age.
The more different life insurance contracts
1. Time payment for insurance
You can give money once at the conclusion of the policy, or to contribute to the agreed periodicity - once a year, a quarter, and so on.
2. The time of the contract
It can be life or be a certain period. For example, if the mortgage people often fear of life for a year, as to conclude an agreement for the entire period of unprofitable if be able to repay the loan before the money for the insurance it will be wasted and will have to run, to get her back.
3. A form of insurance coverage
In the insurance case, or you get a fixed amount, or increase due to the rise in prices and investmentOr decreased (for example, if the insurance is linked to the credit: the smaller the debt, the less payment).
4. Kind of insurance payments
You may pay the amount of insurance at once or in installments over the agreed period.
How to choose insurance
It all depends on your goals. According to the candidate of economic sciences, adviser at the Ministry of Finance Financial Literacy Project Elena Potapova, Life insurance products are very flexible: each program can be supplemented or changed to suit your needs and purposes.
To make the right choices, learn as much as possible options. To do this, take a look at the websites of companies or use aggregators sentences like "Sravni.ru».
How to choose the insurer
It is worth taking the time to avoid difficulties in obtaining payment when the insurance case.
First of all, consider the experience of friends and acquaintances. It is worth to read reviews and comments on the Internet.
In addition, look for the insurer taken against judicial decisions. To do this, go to the website of the court (general jurisdiction and arbitration) at the location of the insurance company, to open See "Search lawsuits" and submit to the search box the official name of the insurer (for example, LLC "Insurance company").
This will open the list. The texts of judgments will help determine whether the insurer complies with the rights of persons insured his life.
Where to issue the contract
According to the director of the legal service "Unified Protection Center" Konstantin Bobrov, to execute the contract, you just need to apply with a passport and the insurance company to write a statement. This can be done both online, but not all companies and not for each program. For example, arrange travel insurance via the Internet is quite simple. And to conclude an agreement on the program of savings insurance already have to visit the office.
To find out whether you can get a policy online, go to the website of the insurance company.
How to make the right life insurance
1. Do not lie
Director of the Legal Service "United's defenders" Konstantin Bobrov, advises when filling out an application for insurance to specify only valid data. Otherwise, the company can refuse to pay, referring to the deception on your part.
2. Carefully read the contract
Consumers are often faced with the fact that insurers deny payments. Usually companies are responsible that the situation does not fall under the insurance case.
Gennady Loktev, a leading lawyer of the Legal Service of the European.
To avoid this, you need to carefully read the terms of the contract. At one company, an insurance case is a disease in the other - a disease caused by an accident. This important detail, since the second insurance company will have to provide proof of that to blame the accident.
And be sure to read what is typed small print.
If you doubt yourself, ask an experienced friend or lawyer to read the paper.
3. ask
If any of the provisions in the agreement are not clear, ask the employee of the insurance company to explain them.
4. Check that all on-site data
As the leading lawyer of the legal service of the European Gennady Loktev, the contract must beArticle 942 of the Civil Code. Essential conditions of the insurance contract stated:
- information about the insured person;
- information on the nature of the insured event (for example, damage to life or health, death, survival to a certain age);
- the size of the sum insured;
- the validity of a life insurance contract.
If at least one of these items is not disclosed, the contract is not considered concluded and payments on it does not wait.
5. Check the paper
Remember that the insurer is obliged to provide every citizen a document signed by him. In all the papers to be signature of the insurance company.
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